Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am filing this complaint against TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, 1681q, and 1681n. My personal identifying information was compromised due to a data breach and resulted in identity theft, which has caused multiple inaccuracies and unauthorized activity on my TransUnion credit report. 

I have already filed an FTC Identity Theft Report and provided copies of my government-issued ID and Social Security card for verification, pursuant to 16 CFR 682.3. Despite providing all required documentation, TransUnion has failed to properly investigate or remove the fraudulent and inaccurate information within the time frame mandated by federal law. 

Details of Violations and Disputed Items Unauthorized Inquiry : Creditor : XXXX Date : XX/XX/year> Issue : TransUnion allowed an inquiry to appear on my file without my consent or permissible purpose, in violation of 15 U.S.C. 1681b and 1681q. 

This constitutes obtaining a consumer report under false pretenses, a criminal violation punishable by fine and imprisonment. 

Inaccurate Personal Information : TransUnion continues to report incorrect and outdated personal information despite multiple disputes : Incorrect names : XXXX, XXXX XXXX instead of XXXX XXXX XXXX. 

Incorrect addresses : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
These inaccuracies violate FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) by negatively impacting my creditworthiness. 

Failure to Block Identity Theft-Related Information : Despite being provided with an FTC Identity Theft Report and all required identification, TransUnion did not block the fraudulent information within XXXX business days as required under 15 U.S.C. 1681c-2 ( a ). 

Failure to Conduct a Reasonable Reinvestigation : TransUnion has ignored its duty under 15 U.S.C. 1681i to conduct a proper reinvestigation of the disputed information and to provide documentation verifying the accuracy of the reported data.

Legal and Regulatory Violations 15 U.S.C. 1681i : F
ailure to reinvestigate disputed information.

15 U.S.C. 1681c-2 : Failure to block fraudulent data related to identity theft.

15 U.S.C. 1681b : Reporting without permissible purpose.

15 U.S.C. 1681q : Obtaining consumer report under false pretenses.

15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance.

Harm and Requested Resolution TransUnions negligence has caused significant emotional distress and damage to my financial reputation. The presence of false information has hindered my ability to secure housing and credit opportunities. 

I am requesting the following actions from TransUnion : Immediate deletion of all unauthorized inquiries and fraudulent data, including the XXXX inquiry. 

Correction of all inaccurate personal information ( names and addresses ). 

A written statement confirming compliance with the FCRA and the steps taken to ensure my file is accurate. 

Compensation for statutory damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Supporting Documentation Attached to this complaint are copies of : Government-issued ID and Social Security card ( for verification purposes only ). 

FTC Identity Theft Report and supporting evidence.

Prior dispute letters sent to TransUnion dated XX/XX/year>. 

Proof of the Equifax Data Breach Settlement indicating exposure of my personal information.

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