Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
My consumer rights have been violated, and my claims to correct the errors have been named frivolous. Per FCRA Section 605B, which is codified at 15 U.S.C. 1681c-2, requires consumer reporting agencies ( CRAs ) to block the reporting of information in a consumer 's file identified as resulting from identity theft within XXXX business days of receiving the necessary documentation, and to notify the furnisher of the information. I sent my information certified mail, and it was received by TransUnion on XX/XX/year>, at XXXX Tracking # XXXX. Since then, improper investigations have been on going, no information was sent to me on how they came to this conclusion of validation of the debt or inquires and they are supposed to do their own investigation not just ask the finisher. If the alleged debt is mine. I and demand payment for all violations including names address etc., because it does not look good if I was to apply for credit late payment have been reporting but I did not receive notice XXXX or earlier all my right have been violated and they send stall tactics like the need more information or I being frivolous if this was true and XXXX percent fair and accurate how was the information investigated and proved to be accurate they have let collection agency report incorrect on my credit report we can correct this issue or go to arbitration or there was never a Model Form XXXX never any disclosures before reporting to my credit and there is no affiliation to any of the creditors to the CRA to report my information without my written consent I have not received or applied for any lines of credit or got any goods or services. No break down of charges gives a right to collect on a debt they must give me all information that I asked for when they validated a debt. It is also inaccurate to use sister companies Like XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. The US Department of Treasury does not report to XXXX. Late payments are illegal my transaction is not supposed to be on your credit report payment history is a transaction and no disclosure was sent XXXX  days prior so how is that validated. Also, XXXX  are not reported and XXXX  does not report the court did not report to CRA so I must ask who reported my information to the CRA without permissible purpose I did not give written consent I did not receive an offer of credit for product, goods, or service etc. So, some one committed aggravated identity theft which is a felony, and I can only assume that they are affiliated with TransUnion. Not only was my information stolen in XXXX  data breech they are still not compiling which falls under willful noncompliance if it is XXXX per violation we are looking at well over XXXX XXXX XXXX  can we come to a mutual agreement I have given more than XXXX  day and several laws have been broken and no correction or payment has been received and since you validated the debt your claim you need more personal information or ID is invalid I sent tracking number and your received my information and proceed to do you so call investigations.

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