Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute Request for Investigation Dear TransUnion Dispute Department , I am writing to formally dispute the accuracy of certain accounts on my TransUnion credit report, which I obtained on [ date of report ]. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and verifiable. Given XXXX  well-documented failure to protect consumer data in the XXXX data breach, I am concerned that my credit report may contain incorrect, outdated, or fraudulent accounts that resulted from this breach.

According to the U.S. House of Representatives report on the breach, XXXX failed to implement basic security measures, allowing hackers unauthorized access to sensitive personal information for 76 days. Attackers " performed approximately XXXX queries on XXXX databases '' containing personally identifiable information ( PII ), compromising the personal data of over XXXX XXXX Americans. This breach created a heightened risk of fraudulent activity on consumer credit files, including mine. 
Due to this breach and its potential consequences, I request a formal investigation into the following disputed accounts : Disputed Accounts XXXX. XXXX XXXX XXXX XXXX XXXX : {$44000.00} o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and may be the result of identity theft stemming from the XXXX XXXX breach. Given the scope of the breach and the fact that XXXX failed to detect the exfiltration of data for nearly three months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$50000.00} o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and XXXX be the result of identity theft stemming from the XXXX XXXX breach. Given the scope of the breach and the fact that XXXX failed to detect the exfiltration of data for nearly XXXX months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX : {$7400.00} o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and may be the result of identity theft stemming from the XXXX XXXX breach. Given the scope of the breach and the fact that XXXX failed to detect the exfiltration of data for nearly three months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
I request that TransUnion conduct a thorough investigation into these inaccuracies. If the information can not be verified, I demand that these items be deleted or corrected as required under the FCRA. 
Given the severity of the XXXX breach and the companys failure to protect consumer data adequately, I expect TransUnion to take immediate corrective action regarding the disputed accounts. Please provide written confirmation of the results of this investigation within 30 days, as required by the FCRA. If TransUnion is unable to validate these accounts with concrete evidence, I expect them to be permanently removed from my report. 
Thank you for your prompt attention to this matter. If you require additional information, you may contact me at XXXX. 
Sincerely, XXXX XXXX

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