Consumer complaint received 2025-08-15 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: MO

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX And : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Immediate Removal of Fraudulent/Unauthorized Accounts, Inquiries, Inaccurate Late Payments, and Incorrect Personal Data FCRA 604 ( a ), 605B, 611, and 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am the victim of identity theft and have found multiple fraudulent accounts, unauthorized credit inquiries, and inaccurate payment history entries ( including late payments ) on my TransUnion credit report. These items are damaging my credit and are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are my FTC Identity Theft Report ( # XXXX, filed XX/XX/XXXX ), XXXX Police Department Report ( # XXXX, filed XX/XX/XXXXXXXX  ), government-issued identification, and proof of address. 

Legal Authority FCRA 605B Requires credit bureaus to block all information resulting from identity theft within 4 business days upon receipt of an identity theft report and proof of identity.

FCRA 604 ( a ) Prohibits any credit inquiry without a permissible purpose or my express written consent.

FCRA 611 Requires credit bureaus to investigate and delete all inaccurate, unverifiable, or incomplete information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or have reason to believe is inaccurate, including false or fraudulent late payments. 

Negative Items to be Deleted Immediately Collections/ Fraudulent Accounts XXXX. XXXX XXXX XXXX {$1500.00} Collection Opened XX/XX/XXXXXXXX  Identity Theft 2. XXXX XXXX XXXX {$790.00} Collection Opened XX/XX/XXXX Identity Theft Past Late Payments ( Inaccurate or Fraudulent ) Remove all late payment notations tied to accounts affected by identity theft. 
Remove any late payment entries that are unverifiable or lack proof of my responsibility for the account. 
( If creditors can not produce documentation showing I authorized the account and the payment terms, these late payments must be deleted under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611. ) Unauthorized Hard Inquiries TransUnion I did not authorize or approve the following hard inquiries. They lack permissible purpose and/or are the result of identity theft and must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Personal Information Remove incorrect/misspelled names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or unrelated addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX, XXXX, XXXX o Any other address not tied to my verified residence history Remove all phone numbers not belonging to me Required Actions 1. Block all identity-theft-related accounts, inquiries, and late payments under FCRA 605B.

2. Delete all inaccurate, unverifiable, or incomplete information under FCRA 611.

3. Remove all unauthorized hard inquiries under FCRA 604 ( a ).

4. Delete all inaccurate late payment entries under FCRA 623 ( a ) ( 1 ) ( A ).

5. Correct my personal information to reflect only my legal name, current address, and legitimate accounts.

6. Provide a corrected copy of my credit report confirming all deletions and corrections.

Notice This is a formal dispute under the FCRA. I expect full compliance within 4 business days for identity theft blocking and 30 days for full dispute resolution, as mandated by law. Failure to comply will result in escalation to the CFPB, FTC, and potential legal action under FCRA 616 & 617.

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