Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. Specifically, TransUnion is inaccurately reporting numerous fraudulent accounts, including XXXX XXXX XXXX, account number ending in XXXX, opened XX/XX/XXXX, reporting a balance of {$6800.00} as a credit card ; XXXX XXXX XXXX , account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as a credit card ; XXXX XXXX  , account ending in XXXX, opened XX/XX/XXXX, showing {$2900.00} as a credit card ; XXXX XXXXXXXX, account ending in XXXX, opened XX/XX/XXXX, showing {$1300.00} as a credit card ; XXXX XXXX , account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as an unsecured loan ; XXXX XXXX , account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as an unsecured loan ; XXXX  XXXX, account ending in XXXX, opened XX/XX/XXXX, reporting {$0.00} as a personal loan ; XXXX XXXX, account ending in XXXX, opened XX/XX/XXXX, reporting {$3900.00} as a collection ; and XXXX XXXX, account ending in XXXX, opened XX/XX/XXXX, reporting {$15000.00} as a collection, unsecured loan opened at XXXXXXXX on XX/XX/XXXX under account XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance, a Personal Loan at XXXX  XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX  with a {$0.00} balance, a Collection with XXXX  on XX/XX/XXXX under account XXXXXXXX XXXX with a balance of {$3900.00}, and a Collection with XXXX XXXX  on XX/XX/XXXX under account XXXX XXXX XXXX with a balance of {$15000.00}. None of these accounts belong to me, nor were they authorized by me, and they must be blocked and permanently removed in full compliance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report 9 fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit cards and loans including a Credit Card opened at XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$6800.00}, a Credit Card at XXXX XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX with {$0.00} balance, a Credit Card at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$2900.00} balance, a Credit Card at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$1300.00} balance, and an Unsecured Loan at XXXX XXXX on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX with a {$0.00} balance. These fraudulent accounts have resulted in multiple unauthorized inquiries and collections. I demand immediate removal of these items and cessation of all related collection activity pursuant to the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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