Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report fraudulent identity theft accounts after receipt of a valid Federal Trade Commission Identity Theft Report. My FTC Identity Theft Report No. XXXX confirms that I am the victim of identity theft and identifies two fraudulent credit card accounts appearing on my credit report : XXXX XXXX XXXX XXXXXXXX. account ending XXXX and XXXXXXXX XXXX XXXX account ending XXXX. Both were discovered in XX/XX/year> and were not opened or authorized by me. TransUnion is subject to the mandatory blocking requirements of FCRA 15 U.S.C. 1681c-2. Once a consumer reporting agency receives an identity theft report, proof of identity, identification of the fraudulent tradelines, and a statement from the consumer that the accounts did not result from transactions made by the consumer, the bureau must block the information within 4 business days. My FTC report and identification documents satisfy those requirements. TransUnion has no lawful basis to continue reporting these accounts. TransUnion is also violating 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to assure maximum possible accuracy, and 15 U.S.C. 1681i by failing to conduct a lawful and reasonable reinvestigation. A superficial verification response is not enough where an FTC Identity Theft Report has already been provided. Once identity theft has been documented, TransUnion must block the accounts, not continue to publish them as if they were mine. I demand the immediate deletion and permanent block of these fraudulent accounts from my TransUnion credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX account ending XXXX XXXX. XXXXXXXX XXXX XXXX account ending XXXX I also demand written confirmation that these accounts will not be reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), including advance notice to me and certification of accuracy from the furnisher. If TransUnion claims it verified these accounts, then it must disclose the complete method of verification, all documentary evidence reviewed, all dates of communication, the names and titles of persons contacted, and the exact procedures used in its reinvestigation. TransUnions continued reporting of these identity theft accounts is damaging my credit standing and financial opportunities. Such conduct give s rise to liability under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. I am preserving all claims. Under California Civil Code 1785.14 ( b ), a consumer reporting agency must not prepare or furnish a report containing information it knows or should know is incomplete or inaccurate. Under California Civil Code 1785.16, TransUnion must perform a good faith reinvestigation of my dispute. Continuing to report accounts specifically identified in my FTC identity theft report violates those duties. Delete these accounts immediately. If TransUnion fails to comply, I will file suit and seek statutory damages, actual damages, court costs, and any other available relief. Attachments : FTC Identity Theft Report XXXX. XXXX XXXX of Driver License XXXX of Social Security 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 non-monetary relief