Consumer complaint received 2025-07-04 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: CA

Complaint narrative:
# FORMAL COMPLAINT REGARDING FCRA VIOLATIONS AND MISREPRESENTATION * * Date : XX/XX/XXXX TO : * * Consumer Financial Protection Bureau ( CFPB ) * * CC : * * TransUnion LLC Consumer Relations * * CC : * * California Attorney General XXXX XXXX * * FROM : XX/XX/XXXXADDRESS :XX/XX/XXXXXXXX, XXXX XXXX XXXX, CA. XXXXXX/XX/XXXXPHONE :XX/XX/XXXXXXXXXX/XX/XXXX RE : FCRA Violations and Misrepresentation by TransUnion LLC - Complaint ID : XXXXXX/XX/XXXX SUMMARY OF VIOLATIONS This formal complaint documents multiple violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion LLC, including misrepresentation to the California Attorney Generals office regarding fraudulent accounts appearing on my credit report.

# # # BACKGROUND I have been disputing fraudulent accounts on my TransUnion credit report through proper identity theft procedures as outlined under FCRA Section 605B. Despite providing all required documentation multiple times, TransUnion continues to report these fraudulent accounts and has now made false statements to the California Attorney Generals office.

# # # SPECIFIC FCRA VIOLATIONS * * 1. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to Conduct Reasonable Reinvestigation * * - TransUnion failed to conduct a reasonable reinvestigation of disputed items despite multiple submissions with proper documentation - Required documentation provided included : FTC Identity Theft Report, police report, drivers license, Social Security card, and utility bill * * 2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Failure to Provide Written Results * * - TransUnion failed to provide adequate written results explaining the specific reasons for maintaining fraudulent accounts * * 3. Violation of 15 U.S.C. 1681k ( a ) ( 2 ) - Failure to Block Information * * - TransUnion failed to block fraudulent information as required under identity theft provisions despite proper documentation * * 4. Violation of 15 U.S.C. 1681s-2 ( b ) - Failure to Investigate Disputed Information * * - TransUnion failed to properly investigate and remove inaccurate information when notified of disputes * * 5. Violation of 15 U.S.C. 1681n - Willful Noncompliance * * - TransUnions misrepresentation to the California Attorney General constitutes willful noncompliance with FCRA requirements # # # DOCUMENTED MISREPRESENTATION TransUnions letter dated XX/XX/year>, to California Attorney General XXXX XXXX ( Complaint ID : XXXX ) contains the following false statement : XXXX After reviewing XXXX XXXX complaint, we found the information they disputed does not currently appear on their TransUnion credit report. 

* * This statement is categorically false. * * The fraudulent accounts, including : - US Bankruptcy record - Reference Number : XXXX - Fraudulent collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. : JORO * * * - {$8000.00} * * Continue to appear on my TransUnion credit report * * despite multiple proper disputes with complete documentation. 

# # # EVIDENCE OF ONGOING REPORTING The fraudulent accounts remain visible on my current TransUnion credit report, directly contradicting TransUnions statement to the Attorney General. This misrepresentation appears designed to : 1. Mislead state regulatory authorities 1. Avoid accountability for FCRA violations 1. Dismiss legitimate consumer complaints # # # COMPLIANCE FAILURES TransUnion has failed to comply with the following FCRA requirements : * * Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) : * * - Failed to block fraudulent information within 4 business days of receiving proper documentation - Failed to provide written confirmation of blocking actions * * Dispute Investigation Requirements ( 15 U.S.C. 1681i ) : * * - Failed to conduct reasonable reinvestigation within 30 days- Failed to delete or modify inaccurate information - Failed to provide specific results of reinvestigation * * Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) : * * - Failed to maintain reasonable procedures to assure maximum possible accuracy - Continued reporting of information known to be inaccurate # # # REQUESTED RELIEF I hereby demand : 1. * * Immediate Investigation * * by the CFPB into TransUnions FCRA violations and misrepresentation practices 1. * * Correction of False Statements * * - TransUnion must immediately correct their false statement to the California Attorney Generals office 1. * * Complete Removal * * of all fraudulent accounts from my TransUnion credit report within 5 business days 1. * * Written Confirmation * * of all deletions and blocking actions taken 1. * * Compliance Monitoring * * to ensure TransUnion properly handles future identity theft disputes 1. * * Monetary Damages * * for willful FCRA violations under 15 U.S.C. 1681n, including : - Actual damages- Statutory damages ( $ 100- {$1000.00} per violation ) - Punitive damages- Attorney fees and costs 1. * * Injunctive Relief * * to prevent further FCRA violations and misrepresentations # # # DOCUMENTATION This complaint is supported by : - Copy of TransUnions false statement to California Attorney General - FTC Identity Theft Reports ( multiple submissions ) - Police reports- Required identification documents- Current credit report showing continued fraudulent reporting - Documentation of multiple dispute attempts # # # LEGAL AUTHORITY This complaint is filed under the following legal authorities : - Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) - California Consumer Credit Reporting Agencies Act ( Civil Code 1785.1 et seq. ) - Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) # # # CONCLUSION TransUnions actions constitute serious violations of federal consumer protection laws and demonstrate a pattern of willful noncompliance with FCRA requirements. Their misrepresentation to state regulatory authorities is particularly egregious and undermines the integrity of the consumer protection system.

I request immediate action to address these violations and ensure TransUnion complies with all applicable consumer protection laws. 

-- -- - * * Respectfully submitted,XX/XX/XXXXXXXX XXXX XXXX

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 explanation