Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., the Consumer Financial Responsibility Act ( XXXX ), and the Fair Debt Collection Practices Act ( XXXX  ). I am demanding the immediate removal of fraudulent accounts, unauthorized inquiries, and inaccurate reporting that you continue to knowingly publish despite repeated notice and legal documentation proving identity theft. 


-- - Disputed Accounts XXXX Funding Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX [ Insert Last XXXX Digits or Account Identifier ] -- - Unauthorized Inquiries The only legitimate inquiry on my credit file should be XXXX XXXX. All other inquiries are unauthorized, the result of identity theft, and must be deleted immediately under FCRA XXXX and XXXX. 


-- - Basis of Dispute : Identity Theft, Data Breach, and Improper Reporting of Non-Original Creditor Accounts I am a documented victim of identity theft, and these accounts and inquiries are a direct result of criminal misuse of my personal information, which was compromised in the XXXX XXXX XXXX XXXX. 

Regarding XXXX XXXX, I have never opened or authorized any account with them. XXXX XXXX  is not the original creditor and therefore can not lawfully furnish unverifiable debt under the CFRA and FCRA. Under CFRA provisions, a consumer reporting agency may not include information from a debt buyer unless it can be fully validated to originate from the original creditor, with proper chain-of-title documentation. You have not provided such evidence, which means continued reporting is a knowing violation of the CFRA, the FCRA, and the FDCPA. 

Regarding the XXXX XXXX accounts ( # XXXX and # XXXX ) and XXXX XXXX, these are equally fraudulent, with no contract, no application, and no authorization by me. You have been repeatedly notified of this through prior disputes, yet the accounts remain. 


-- - Pattern of Willful Noncompliance This is now more than the fourth time I have notified you of these fraudulent accounts. Under FCRA XXXX, you are required to block this information and erase everything associated with the creditors account without further delay. Your continued reporting after repeated notice constitutes willful and negligent noncompliance, exposing you to full statutory and actual damages. 


-- - Legal Violations at XXXX XXXX U.S.C. XXXX ( a ) : Failure to block fraudulent information after receiving an identity theft report. 

XXXX U.S.C. XXXX ( b ) : Furnishers duty to investigate disputed information. 

XXXX U.S.C. XXXX ( b ) : Failure to validate a debt upon written dispute. 

FCRA XXXX : Prohibits unauthorized credit inquiries without permissible purpose. 

XXXX : Prohibits reporting unverifiable debt from a non-original creditor without complete validation from the original creditor. 

XXXX U.S.C. XXXX, XXXX : Liability for willful or negligent noncompliance. 



-- - Demand for XXXXmmediate Action XXXX. Immediately block and remove XXXX Funding, XXXX XXXX, and XXXX XXXX accounts from my credit file within XXXX business days as required by XXXX U.S.C. XXXX ( a ). 


XXXX. Delete all unauthorized inquiries, leaving only the XXXX XXXX inquiry as valid. 


XXXX. Provide complete documentation proving origination with the original creditor for all disputed accounts. 


XXXX. If you can not produce the above, cease reporting immediately under CFRA and FDCPA guidelines. 


XXXX. Provide written confirmation of deletions and a detailed account of your investigative steps. 




-- - Notice of Legal Intent If you fail to comply, I will : File a formal complaint with the CFPB. 

Submit complaints to the FTC and XXXX XX/XX/XXXXXXXX XXXX. 

Initiate a civil lawsuit for damages under XXXX U.S.C. XXXX, XXXX, and XXXX. 

Seek subpoena of all internal documents proving your awareness of the fraudulent nature of these accounts and inquiries. 



-- - I expect a full, compliant response within the timeframes set by law. Your continued reporting of these fraudulent accounts, unauthorized inquiries, and non-original creditor data is a direct violation of both federal and state law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief