Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I submitted XXXX separate FCRA XXXX identity theft block requests to TransUnion. Each request included substantial documentation proving that I am a confirmed victim of identity theft. 

Evidence of Verified Identity Theft I submitted the following documentation with each request : FTC Identity Theft Report, filed through FTC.gov, which explicitly states that reports are shared with federal, state, and local law enforcement partners. Under FCRA 603 ( q ) ( 4 ), this constitutes a valid identity theft report.

Michigan Unemployment Insurance Agency ( UIA ) Fraud Determination Letter, dated XX/XX/XXXX, confirming that my SSN and date of birth were used in XXXX to file a fraudulent unemployment claim. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) confirming that my SSN and XXXX were accessed by an unauthorized third party. 
TransUnion XXXX XXXX Notice ( XX/XX/XXXX ) confirming unauthorized access to my XXXX and XXXX. 
CFPB Acknowledgments of Fraud Between XX/XX/XXXX and XX/XX/XXXX, XXXX  & XXXX responded to multiple CFPB complaints acknowledging that the consumer XXXX have been a victim of fraud. 

Together, these records constitute overwhelming proof that my identifying information has been compromised by multiple independent sources. 

Fraud Acknowledged by XXXX  and Furnishers ( CFPB Evidence ) CFPB Complaint # XXXX Submitted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This tradeline has already been deleted and must remain blocked to prevent reappearance under another creditor or collection agency. 
CFPB Complaint # XXXX Submitted XX/XX/XXXX, for XXXX XXXX Bank ( # XXXX XXXX XXXX XXXX XXXX  Experian responded XX/XX/XXXX, acknowledging possible fraud. 
CFPB Complaint # XXXX Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn responded XX/XX/XXXX, confirming both accounts were under review for fraud. 

Fraud Admissions and Burden of Proof Experian and multiple furnishers have already formally acknowledged fraud in their CFPB responses for the following accounts : TBOM / XXXX XXXX XXXX XXXX ( # XXXX ) - This account is no longer on my TU report but still needs to be blocked so it cant reappear under different name First PREMIER Bank ( # XXXX * * * * * ) TBOM First Access ( # XXXX * * * ) TBOM Total Visa ( # XXXX * * ) We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud. 

These acknowledgments constitute direct admissions of fraud under federal administrative record. Once fraud is established or admitted, FCRA XXXX ( b ) requires TransUnion to block the accounts no further reinvestigation, verification, or documentation can nullify that admission. 
Collectively, the above tradelines represent a consistent pattern of identity-theft-related and fraud-tainted reporting spanning XXXX through XXXX. Because these accounts stem from the same confirmed identity-theft event, TransUnion is XXXX to process this as a unified XXXX block request not a standard XXXX dispute and to permanently remove or suppress all associated tradelines. Any continued publication, re-aging, or verified as accurate notation after receipt of this evidence constitutes willful noncompliance under FCRA XXXX, XXXX ( b ), and XXXX. 

Summary of Proven Fraudulent Activity in TransUnions Reporting ( XXXX ) I have conclusively demonstrated that TransUnions credit reporting from XXXX through XXXX is fraud-tainted, inaccurate, and built on unauthorized or recycled data transmissions across multiple accounts. The misconduct is consistent, documented, and supported by multiple furnishers acknowledgments of fraud through formal CFPB responses. 
XXXX. Fraud Acknowledged by Experian and XXXX XXXX have already confirmed fraud in multiple CFPB case responsesincluding FirstPREMIER, XXXX XXXX XXXX, and XXXX Total Visaconstituting direct admissions of verified fraud. Once fraud is admitted, TransUnion is legally barred under FCRA XXXX ( b ) from continuing to report or reinvestigate the affected accounts. 
XXXX. Tainted and Recycled XXXX Report TransUnions own XXXX Account XXXX XXXX shows that the FNWSE/OPPLNS data was TU-Generated rather than received through an authenticated XXXX XXXX transmission. Mandatory delinquency and payment-pattern fields are blank, and the same dataset dated XX/XX/XXXX was reprinted on XX/XX/XXXX, proving internal recycling rather than a new furnisher update. The record also reflects automatic verification and a closed date XX/XX/XXXX, confirming internal re-aging and data regeneration in violation of FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ). 
XXXX. Fraudulent XXXX Bank XXXX XXXX XXXX TransUnion continues to publish a hybrid, non-existent furnisher ( FNWSE/OPPLNS ) that merges FinWise Bank and XXXX distinct entities. This reporting is legally impossible under XXXX ( a ), as XXXX has no furnishing authority. XXXX TU-Generated data confirms re-aged, recycled reporting linked to periods of verified identity theft involving my XXXX and XXXX. 
XXXX. Fraud-Tainted XXXX XXXX XXXX The XXXX XXXX XXXX XXXX # XXXX * * * * ) shows impossible delinquency sequences and reinserted XXXX lates after closure. These changes could not originate from the furnishers system and reflect internal data reconstructionviolating XXXX XXXX standards and FCRA XXXX ( b ), XXXX ( b ), and XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Unauthorized CCB / XXXX / CCFlow / Nationwide / Structured Settlement Reporting Despite verified deletion and termination of ownership by CCFlow in XX/XX/XXXX, TransUnion continues to publish a XXXX tradeline. The purported sale chainincluding XXXX XXXX XXXX ( defunct ) is void under XXXX XXXX. Structured XXXX XX/XX/XXXX letter misrepresents the original creditor, proving fraudulent furnishing. 
XXXX. Fabricated XXXX XXXX XXXX XXXX TransUnion published an unverifiable XXXX XXXX XXXX collection tradeline based on a Capital XXXX account that was legally securitized and could not be sold. The bureau also copied a dispute remark from this fraudulent account to my current open XXXX XXXX account, damaging my credit reputation. 
XXXX. Systemic XXXX XXXX and XXXX XXXX tradelines display uniform evidence of internal regeneration and timestamp recyclingpremature charge-offs, blank XXXX XXXX XXXX, and duplicate closure/reopening datesall created without authenticated creditor transmissions. 
XXXX. Absence of Original-Source Documentation TransUnion has XXXX to produce or demonstrate possession of any original XXXX XXXX XXXX data, DOFD records, or charge-off notices. Instead, it relies solely on unverifiable ACDV/TruVision resultsviolating XXXX ( a ) ( XXXX ) and Rule XXXX ( XXXX ). 
XXXX. Improper Handling of Verified Identity-Theft Evidence and Failure to Apply Verified Identity-Theft Protections Despite multiple verified fraud documents, TransUnion failed to apply XXXX blocks. XXXX responses from XX/XX/XXXX and XX/XX/XXXX confirm that no human review was conducted. TransUnion placed a fraud alert on my file on XX/XX/XXXX, confirming internal awareness of compromised data but still refused to apply XXXX blocks despite full documentation. 

Across all accounts, the evidence demonstrates a systemic pattern of fraudulent reporting, data recycling, and noncompliance with federal identity-theft protections. TransUnions continued publication of unverifiable and fraud-tainted informationdespite verified identity-theft documentation and formal CFPB admissionsconstitutes willful and reckless disregard of FCRA XXXX ( XXXX ), XXXX ( b ), and XXXX ( a ) ( XXXX ) ( A ). 

Given the overwhelming proofincluding verified fraud admissions, tainted XXXX reports, falsified payment histories, and unauthorized data reinsertions XXXX credit file is irreparably compromised. 

I respectfully request that the Consumer Financial Protection Bureau compel TransUnion to : Permanently block and delete all identified tradelines FinWise/OppLoans # XXXX * * * * Credit Acceptance # XXXX * * * * CCB/CCFlow/MoneyKey/Nationwide # XXXX * * First PREMIER XXXX TBOM/Concora/CCI - This is no longer reporting and should be XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX * * TBOM Total Visa # XXXX * * Portfolio Recovery # XXXX * * * * under XXXX ( b ) ; Produce full audit and transmission records ( XXXX ), including original XXXX XXXX transmissions, XXXX, ownership and assignment chain, charge-off notices, and reinsertion logs ; and Initiate a formal enforcement investigation into TransUnions handling of verified fraud victims and its use of recycled XXXX data XXXX violation of federal law. 

XXXX continued reliance on unverifiable, internally generated data and failure to block known fraudulent accounts represent clear violations of the FCRA. XXXX deletion and corrective reporting are required to restore accuracy, integrity, and compliance. 

Attachments Supporting Evidence FTC Identity Theft Report confirming verified fraud tied to my SSN and XXXX. 
Michigan XXXX XXXX XXXX XXXX ( XXXX ) confirming unauthorized use of my personal identification XXXX XXXX XXXX XXXX XXXX Notice ( XXXX ) confirming exposure of my SSN and XXXX. 
TransUnion XXXX XXXX Notice ( XXXX ) confirming unauthorized access to my personal information. 
XXXX XXXX Email ( XX/XX/XXXX ) : states the account is held by XXXX, not XXXX. 
TrueAccord Collection Letters ( XX/XX/XXXX XX/XX/XXXX ) : confirm collection on behalf of XXXX Technologies Letter ( XX/XX/XXXX ) : asserts FinWise ownership acknowledgment. 
TransUnion XXXX XXXX : show identical premature charge-off pattern ( used as comparative evidence of systemic data corruption ). 
CFPB Complaints For each account that responded with fraud claims Supporting evidence of Fraud CCB/MoneyKey Supporting evidence of Fraud Portfolio Recovery Supporting evidence of Fraud Credit Acceptance

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