Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
Subject : Complaint Regarding Deceptive Practices by TransUnion and Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to file a formal complaint against TransUnion for engaging in deceptive practices and violating the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and despite providing the necessary documentation, including a police report and other evidence, TransUnion has failed to properly address the fraudulent information on my credit report. This includes the repeated reinsertion of fraudulent accounts, even after they have been blocked or removed, and a lack of communication or investigation regarding these issues. 

Here are the details of my case : Identity Theft Incident : I am a victim of identity theft, and the individual responsible has been arrested and charged. I submitted a police report and supporting documents to TransUnion as proof of the fraudulent activity and requested that they remove the fraudulent accounts from my credit report. 

TransUnions Actions : TransUnion initially removed the fraudulent accounts after I disputed them. However, after a few weeks, these fraudulent accounts were inexplicably reinserted on my credit report. I contacted TransUnion regarding this issue but did not receive any satisfactory explanation or information regarding the reinsertion or from the data furnishers ( the companies reporting the fraudulent information ). 

Repeated Reinsertion of Fraudulent Accounts : This pattern of reinsertion has occurred multiple times. The data furnishers have even changed the account numbers associated with the fraudulent information, yet TransUnion has continued to reinsert these altered accounts onto my credit report without providing any clear explanation or details about the reinsertion process. 

Failure to Investigate : TransUnion has not conducted an adequate or meaningful investigation into my dispute, as required by the FCRA. They have not taken steps to correct the fraudulent accounts in a timely manner or in accordance with the law. 

As a result of these repeated issues, my credit report contains false and damaging information that has negatively affected my credit score and caused me significant stress. TransUnions actions are in violation of the FCRA, specifically Section 1681i, which mandates credit reporting agencies to properly investigate and resolve disputes regarding inaccurate or fraudulent information.

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to ensure that TransUnion is held accountable for these violations and that my credit report is corrected to reflect only accurate, verified information. 

I would appreciate your assistance in investigating this matter, and I am happy to provide any additional information or documentation required to support my complaint. 

Thank you for your time and attention to this issue.

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