Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint against TransUnion LLC for continued violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting, failure to conduct reasonable investigations, and unlawful verification of disputed accounts. Despite multiple disputes and the submission of valid documentation, TransUnion continues to report inaccurate and misleading information that is materially harming my credit profile.

TransUnions actions demonstrate a pattern of rubber-stamp verification, willful noncompliance, and reckless disregard for its statutory duties under federal law.

GENERAL FCRA VIOLATIONS BY TRANSUNION TransUnion has violated, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or correct unverifiable information 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide proper results and method of verification 15 U.S.C. 1681c ( a ) Reporting information that is inaccurate and/or obsolete 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate after notice In some instances, the accounts disputed also involve identity theft, triggering additional obligations under : 15 U.S.C. 1681c-2 Blocking information resulting from identity theft 1. XXXX XXXX XXXX Balance : {$1100.00} Status : Charge-Off / Profit & Loss Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 2. XXXX XXXX XXXX Balance : {$700.00} Status : Charge-Off / Profit & Loss Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 3. XXXX XXXX Balance : {$2300.00} Status : Charge-Off / Canceled by XXXX XXXX Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 4. XXXX / XXXX  Balance : {$950.00} Status : Charge-Off / Profit & Loss Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 5. XXXX ( XXXX ) Balance : {$0.00} Original Balance : {$1200.00} Status : Charge-Off / Transferred Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 6. XXXX  XXXX Balance : {$770.00} Status : Charge-Off / Profit & Loss Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX 7. XXXX XXXX XXXX Balance : {$2400.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 8. XXXX ( XXXX XXXX XXXX  ) Balance : {$660.00} Status : Collection Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 9. XXXX XXXX XXXX Balance : {$400.00} Status : Collection Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 10. XXXX XXXX XXXX Balance : {$2800.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 11. XXXX XXXX XXXX Balance : {$5700.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 12. XXXX XXXX XXXX Balance : {$520.00} Status : Collection Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 13. XXXX  XXXX XXXX Balance XXXX {$640.00} Status : Collection Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX 14. XXXX XXXX XXXX Balance : {$1800.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX TransUnion is reporting these accounts inaccurately and/or without proper verification. The following violations apply : 1. The account information reported is inconsistent across credit bureaus, demonstrating a lack of accuracy and reliability.

2. TransUnion claims the account was verified, yet failed to : Provide a competent method of verification Identify what documentation was reviewed Confirm who verified the information 3. No signed contract, original application, billing statements, or lawful chain of title has been produced to support the reporting.

4. In disputes involving identity theft, TransUnion failed to properly block the account despite notice and supporting documentation.

This constitutes a willful failure to reinvestigate and an unlawful continuation of inaccurate reporting.

PATTERN OF MISCONDUCT TransUnions repeated verification of disputed accounts without meaningful investigation constitutes systemic noncompliance. Courts have consistently held that credit reporting agencies may not rely on automated or superficial verification processes when a consumer raises specific factual disputes.

TransUnions conduct reflects reckless disregard for consumer rights and exposes consumers to ongoing financial harm.

DEMAND FOR RELIEF I am demanding the following : 1. Immediate deletion of each inaccurately reported account listed in this complaint 2. Written confirmation that TransUnion has : Conducted a lawful reinvestigation Corrected or deleted all unverifiable data 3. Cessation of unlawful reporting practices 4. Assurance of future compliance with the FCRA If these violations are not corrected promptly, I am prepared to pursue additional regulatory complaints and legal remedies.

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