Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple FTC Identity Theft Affidavit attached reporting XXXX separate accounts appearing on my consumer Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. This formal complaint challenges the reinvestigation with the help of the CFPB of the disputed item ( XXXX ) XXXX  # XXXX * * * * * *, and XXXX XXXX # XXXX * * * * * on my TransUnion credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ). According to Transunion customer services the both account responded to the reinvestigation return with the wrong Social Security number and the date of birthday that did not match with the information I submitted with proper documentation. So much so that XXXX different maintenances to my credit report had to be performed that took more than the alleged XXXX business days per customer service reps. Furthermore, after being told to call back to discussed the disputed items, I have been told several different answers and/or stall tactics ranging from another maintenance needed to take place, they look at my FTC report XXXX they couldn't find my FTC report and finally the items would be deleted by XXXX rep which I have recorded within XXXX to XXXX days, Therefore, TransUnions claim of verification through the creditors either was demonstrably false and constitutes either a serious error or a willful misrepresentation. Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A as it was not obtained or verified for a permissible purpose. Transunion continues reporting of this inaccurate information violates the FCRA and subjects TransUnion to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. Finally, I was included in the recent TransUnion Class Action Lawsuit attached as well, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws. I am demanding : - Immediate reinvestigation of the disputed both XXXX XXXX and Personify Financial - Permanent removal of both record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal 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