Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RE : Formal Complaint Against TransUnion LLC Failure to Block Identity Theft Information Under 15 U.S.C. 1681c-2 ; XXXX XXXX XXXX Documentation as XXXX XXXX XXXX XXXX COMPLAINANT INFORMATION Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. COMPANY INFORMATION Company Name : TransUnion LLC Company Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Company Phone : ( XXXX ) XXXX XXXX. PRODUCT INFORMATION Product Type : Credit Reporting Account Number : XXXX Original Creditor : XXXX XXXX ( XXXX XXXX XXXX ) Debt Collector : XXXX XXXX Alleged Balance : {$970.00} Date Opened : XX/XX/XXXX IV. ISSUE DESCRIPTION I am filing this complaint against TransUnion LLC for willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates that consumer reporting agencies block adverse information resulting from identity theft within four business days of receiving appropriate documentation. This fraudulent XXXX XXXX XXXX account is reporting exclusively on TransUnion with no payment history available, while XXXX XXXX XXXX do not report this account at all, demonstrating TransUnion 's isolated failure to verify accuracy and comply with federal blocking requirements. V. STATEMENT OF FACTS The Fraudulent Account XXXX XXXX alleges I owe {$970.00} to XXXX XXXX, account number XXXX, opened XX/XX/XXXX, as an open account placed for collection, with status updated XX/XX/XXXX and balance last updated XX/XX/XXXX. Notably, TransUnion reports no payment history available for this account, yet maintains it as an active collection item, reporting a {$970.00} balance as paid off at 0 % while simultaneously showing it as placed for collection, which is inherently contradictory. Selective Reporting by TransUnion Only This account appears solely on my TransUnion credit report and is completely absent from my XXXX XXXX XXXX reports. This selective unilateral reporting indicates TransUnion failed to independently verify this account, is utilizing different and deficient data sources than other major consumer reporting agencies, and maintains inadequate accuracy procedures compared to industry standards that XXXX XXXX XXXX follow. XXXX XXXX XXXX XXXX XXXX XXXX Evidence of Identity Theft I am a documented victim of the XXXX XXXX data breach, which exposed the personal information of 147 million Americans including my sensitive data. My XXXX XXXX XXXX claim number XXXX was successfully filed with supporting documentation including proof of time spent and costs incurred due to identity theft. This federal court-supervised settlement establishes prima facie evidence that my personal identifying information was compromised and has been used for fraudulent purposes. Under UCC Article 3 Section 308 and UCC Article 4A, a party who has been the victim of fraud or identity theft involving negotiable instruments or electronic fund transfers is entitled to protections and presumptions regarding unauthorized transactions. The XXXX breach documentation satisfies the requirements of 15 U.S.C. 1681c-2 for an appropriate identity theft report as it is a government-recognized documentation of compromise that has led to specific fraudulent accounts including this XXXX XXXX account opened years after the breach using my compromised data. Identity Theft Documentation Submitted On the specified date I submitted to TransUnion complete identity theft documentation including my XXXX Breach Settlement claim confirmation XXXX, FTC Identity Theft Affidavit, police report, government-issued identification, proof of address, and a sworn statement under penalty of perjury that this XXXX XXXX account does not relate to any transaction I made or authorized. Sworn Statement Legal Basis My sworn statement is executed under the authority of UCC Section 1-201 subsection 39 defining signed writing, UCC Section 3-401 regarding unauthorized signatures, and 15 U.S.C. Section 1681c-2 subsection b requiring the consumer statement that information does not relate to any transaction they made or authorized. Under 18 U.S.C. Section 1001, false statements in this matter would constitute federal criminal violations, giving my sworn statement full legal weight and satisfying the statutory requirement for identity theft blocking. TransUnion 's Failure to Act More than four business days have elapsed since TransUnion received my complete identity theft documentation including the XXXX breach settlement proof. TransUnion has failed to block this fraudulent account, failed to provide written confirmation of blocking or deletion, failed to notify XXXX XXXX to cease reporting, and continues reporting this account as placed for collection despite having no payment history to support its validity. VI. VIOLATIONS OF LAW 15 U.S.C. 1681c-2 Failure to Block Identity Theft Information Section 1681c-2 provides that a consumer reporting agency shall block adverse information in the file of a consumer that resulted from identity theft within four business days after receipt of appropriate identity theft documentation. TransUnion received my documentation including the XXXX breach settlement claim which serves as government-recognized proof of compromise, yet failed to block within the mandatory timeframe, failed to provide written confirmation, and failed to notify the data furnisher, violating all statutory requirements. 15 U.S.C. 1681e ( b ) Failure to Follow Reasonable Procedures TransUnion failed to follow reasonable procedures to assure maximum possible accuracy by reporting an account with no payment history available, failing to verify why this account appears only on TransUnion while other major CRAs do not report it, and failing to detect this as identity theft despite the XXXX breach documentation and absence of corroborating reports from XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information TransUnion 's reporting of this account with no payment history available while maintaining it as placed for collection demonstrates reporting of inaccurate and misleading information. The simultaneous reporting of 0 % paid off status with {$970.00} past due collection status is inherently contradictory and inaccurate. 15 U.S.C. 1681n Willful Noncompliance TransUnion 's conduct constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to statutory damages of {$100.00} to {$1000.00} per violation, actual damages for credit harm and emotional distress, punitive damages for reckless disregard of my documented identity theft victim status, and attorneys ' fees and costs. XXXX. SUPPORTING CASE LAW The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) reaffirmed that statutory damages under 15 U.S.C. 1681n do not require proof of actual damages, and consumers may recover {$100.00} to {$1000.00} per willful violation regardless of concrete financial harm. This directly applies to my claim against TransUnion. The XXXX XXXX in XXXXXXXX XXXX XXXX ( XXXX ) held that false impressions can be just as damaging as false information under the FCRA. TransUnion 's reporting of an account with no payment history while marking it as placed for collection creates a false impression of my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy. TransUnion 's selective reporting of this account while XXXX XXXX XXXX do not report it violates this duty and demonstrates negligent procedures. XXXX. CONCRETE HARM SUFFERED This fraudulent collection account has specifically lowered my TransUnion credit score while leaving my XXXX XXXX XXXX scores unaffected, creating a credit disparity that harms me with lenders using TransUnion data. I face credit denial risk from lenders who pull TransUnion specifically, and potential higher interest rates if approved based on TransUnion 's inaccurate report. I have suffered XXXX XXXX XXXX XXXX from TransUnion 's refusal to comply with federal law despite my documented identity theft victim status from the XXXX breach, and have spent considerable time preparing documentation, following up, and filing complaints. I suffer ongoing concrete injury every day this fraudulent account remains on my TransUnion report, including continued credit score suppression on TransUnion specifically, risk of credit denials from TransUnion-pulling lenders, and continued exposure to collection attempts by XXXX XXXX XXXX XXXX. COMPARISON WITH OTHER CONSUMER REPORTING AGENCIES XXXX does not report this fraudulent account and is compliant with accuracy standards. XXXX does not report this fraudulent account and is compliant with accuracy standards. TransUnion is the only major consumer reporting agency reporting this fraudulent account, demonstrating non-compliance with accuracy standards and unique failure to verify. This disparity demonstrates TransUnion 's isolated negligence and failure to maintain adequate verification procedures compared to industry standards. X. REQUESTED RELIEF I respectfully request that the CFPB open a formal investigation into TransUnion 's compliance with 15 U.S.C. 1681c-2, review TransUnion 's identity theft blocking procedures to determine why this account was not blocked within four business days despite XXXX breach documentation, and examine TransUnion 's verification procedures to determine why this account appears only on TransUnion and not other CRAs. I request the CFPB order TransUnion to immediately block and delete the fraudulent XXXX XXXX XXXX account from my credit file, provide written confirmation of deletion within five business days, and notify XXXX XXXX to cease reporting this fraudulent account. I seek civil penalties for pattern or practice violations under 15 U.S.C. 1681s, statutory damages of {$1000.00} for willful violation of 15 U.S.C. 1681c-2, actual damages for credit harm and emotional distress, and attorneys ' fees and costs. I request non-monetary relief including that TransUnion place a seven-year extended fraud alert on my credit file at no charge, provide credit restoration assistance to any lenders who received adverse information, and implement procedures to verify why accounts appear only on TransUnion and not other CRAs to prevent future violations. XXXX. ATTACHMENTS Attached are my identity theft documentation submitted to TransUnion including XXXX Breach Settlement claim confirmation XXXX, my TransUnion credit report showing the fraudulent account, my XXXX credit report showing absence of this account, my XXXX credit report showing absence of this account, and proof of delivery for identity theft documentation. XXXX. XXXX TransUnion 's willful failure to block this fraudulent account within the mandatory four-business-day period, compounded by its unique reporting of this account while XXXX XXXX XXXX do not report it, demonstrates systemic disregard for consumer rights and reckless indifference to federal law. The FCRA 's identity theft blocking provision exists precisely to protect data breach victims like myself, yet TransUnion has treated this mandatory deadline as optional despite my documented XXXX breach victim status. I urge the CFPB to take immediate enforcement action to compel TransUnion 's compliance and protect other consumers from similar harm. Respectfully submitted,

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