Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Against Equifax, XXXX, TransUnion, XXXX XXXX, and XXXX XXXX I am submitting this complaint because Equifax, XXXX, TransUnion, XXXX XXXX, and XXXX XXXX continue to report and furnish a fraudulent account despite years of documented identity theft and repeated notice supported by law enforcement and federal agencies. This is not a routine credit dispute. This account is the result of identity theft. I have disputed this account multiple times with Equifax, XXXX, and TransUnion and have repeatedly notified the furnishers that this account does not belong to me. Despite these repeated disputes and the extensive documentation I have provided, the account continues to be reported on my consumer reports. For years, I have documented the ongoing theft and misuse of my identity through every appropriate legal and administrative channel available to me. I have submitted multiple police reports over several years documenting the continued misuse of my identity, filed a Federal Trade Commission Identity Theft Report, completed an IRS Identity Theft Affidavit, sought assistance through the IRS Taxpayer Advocate Service, and worked with the Internal Revenue Service regarding fraudulent tax and employment activity associated with my identity. In addition, documentation from the Social Security Administration establishes that my identity is currently being assumed by another individual. This federal documentation corroborates the longstanding identity theft that I have reported through law enforcement and multiple federal agencies. Collectively, my police reports, Federal Trade Commission Identity Theft Report, IRS Identity Theft Affidavit, IRS Taxpayer Advocate documentation, and Social Security Administration records establish a documented and ongoing pattern of identity theft that has been repeatedly brought to the attention of Equifax, XXXX, TransUnion, XXXX XXXX, and XXXX XXXX. The account initially appeared on my consumer reports under XXXX XXXX and is now being reported by XXXX XXXX. Regardless of which entity originated, owned, serviced, assigned, transferred, or furnished this account at any point, both entities have been placed on repeated notice that I dispute this account as the result of documented identity theft, yet the account continues to be furnished and reported by Equifax, XXXX, and TransUnion. Despite receiving repeated notice and substantial documentation establishing that my identity is currently being assumed by another individual, Equifax, XXXX, and TransUnion continue to publish the XXXX XXXX XXXX XXXX XXXX tradeline while XXXX XXXX and XXXX XXXX continue furnishing information concerning an account that I have consistently identified as fraudulent. Rather than providing the protections afforded to victims of identity theft under the Fair Credit Reporting Act, these entities have continued to publish and furnish inaccurate information despite years of documented evidence from law enforcement and federal agencies. The Fair Credit Reporting Act requires consumer reporting agencies to maintain reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports and provides specific protections for victims of identity theft. I have repeatedly exercised my rights under the Fair Credit Reporting Act by disputing this account and submitting extensive supporting documentation demonstrating that it is fraudulent and the product of identity theft. Despite this documentation, the fraudulent XXXX XXXX XXXX XXXX XXXX tradeline continues to appear on my Equifax, XXXX, and TransUnion consumer reports. The continued reporting of this account has caused substantial harm to my creditworthiness, financial reputation, and ability to obtain housing, credit, and other financial opportunities. I have exhausted every reasonable avenue available to resolve this matter. I have complied with every request for documentation and have repeatedly provided evidence supporting my identity theft claim. Nevertheless, the fraudulent tradeline continues to be verified, furnished, and reported. At this point, the continued reporting of this account is no longer the result of a lack of notice or insufficient documentation. Equifax, XXXX, and TransUnion have received repeated disputes supported by multiple police reports, a Federal Trade Commission Identity Theft Report, an IRS Identity Theft Affidavit, IRS Taxpayer Advocate documentation, and Social Security Administration documentation establishing that my identity is currently being assumed by another individual. XXXX XXXX and XXXX XXXX have likewise received repeated notice that this account is disputed as identity theft. The continued reporting and furnishing of this fraudulent account despite years of documented identity theft is inconsistent with the protections afforded to victims of identity theft under the Fair Credit Reporting Act and continues to cause ongoing and unnecessary harm. I have spent years attempting to correct the consequences of identity theft through law enforcement, the Federal Trade Commission, the Internal Revenue Service, the Social Security Administration, the IRS Taxpayer Advocate Service, and the consumer reporting agencies. I have fully cooperated with every investigation and have repeatedly provided documentation establishing that I am the victim of ongoing identity theft. Despite years of documented evidence, the XXXX XXXX XXXX XXXX XXXX tradeline continues to be furnished and reported, causing continuing harm to my credit, financial reputation, and ability to secure housing and credit. I respectfully request that the Consumer Financial Protection Bureau require the immediate blocking and permanent removal of this fraudulent XXXX XXXX XXXX XXXX XXXX tradeline from Equifax, XXXX, and TransUnion and require XXXX XXXX and XXXX XXXX to cease furnishing or reporting this account. I also request that all parties comply with their obligations under the Fair Credit Reporting Act to protect victims of identity theft and ensure the maximum possible accuracy of consumer reports. Thank you for your time. I request written confirmation of the actions taken to permanently block and remove this fraudulent tradeline.

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