Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am asserting that I did not open, authorize, or benefit from this account. It was opened due to identity theft and must be treated in accordance with the identity theft provisions of the FCRA. Please block and suppress the tradeline account immediately. 
Dear TransUnion, I am writing to report identity theft and formally dispute the accuracy of a fraudulent account : Furnisher : Transform Credit Type : Personal Loan Balance : {$10000.00} Status : Charge-Off / Fraudulent Under the FCRA, 15 U.S.C. 1681i and 1681s-2, I request reinvestigation. Under 1681c-2, block this tradeline within four business days. I have enclosed : -I am asserting that I did not open, authorize, or benefit from this account. It was opened due to identity theft and must be treated in accordance with the identity theft provisions of the FCRA. Please block and suppress the tradeline immediately.

No account number is associated with this tradeline in my credit report ; this violates Metro 2 compliance standards for accurate data furnishing. This reporting fails Metro 2 compliance standards set by the XXXX XXXX XXXX XXXX ( XXXX ) as it lacks proper account identification and authorization history. As such, this furnishers data should be flagged for unverifiable or fraudulent origin. This account has been reported as fraudulent and has drastically aected my credit score and ability to obtain new credit. Despite my prior eorts to dispute this account, it has been reinserted into my credit report without proper verification.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and specifically 15 U.S.C. 1681s-2, I request that you conduct a thorough reinvestigation of this account. Additionally, pursuant to 15 U.S.C. 1681c-2, I am formally requesting that you block and suppress this information from my credit report within 4 business days, as I have provided sucient proof of identity theft. 
The cause of my identity theft can be traced directly to the XXXX data breach of 2017. As you are likely aware, this breach exposed sensitive personal information of millions of Americans, including mine. Due to this breach, my personal data was compromised, and I have since been a victim of identity theft, as reflected in the fraudulent account now on my credit report. 
Under 15 U.S.C. 1681c, which addresses the removal of information related to identity theft, I am entitled to have any fraudulent accounts blocked from my report if I provide sucient evidence of the theft. In support of my claim, I have enclosed the following documents : 1. A copy of the Local Police report from the XXXX XXXX XXXXXXXX XXXX XXXX confirming identity theft related to this account. 
2. A signed and notarized Identity Theft Adavit.

3. A copy of my FTC Identity Theft Report.

4. Proof of my identity.Identity Theft Affidavit ( notarized )

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 explanation