Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including a Chapter XXXX Bankruptcy ( XXXX ) filed on XX/XX/XXXX with a balance of {$0.00} ; a Credit Card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$0.00} balance ; a Credit Card XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$0.00} balance ; a Credit Card XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$0.00} balance ; a Credit Card XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$0.00} balance ; a Credit Card from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$0.00} balance ; a Credit Card from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX with a {$0.00} balance ; an Auto Loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance ; a Collection reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1600.00} ; a Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$630.00} ; and a Collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} XXXX XXXX all of which were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts and a public record appearing on my consumer XXXX TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. These include : a Chapter XXXX Bankruptcy, case number XXXX, filed on XX/XX/XXXX ; Credit Card accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX ( XXXX * * * * * * * *, opened XX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) ; an Auto Loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ) ; and Collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX for {$1600.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX for {$630.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$1100.00} ). These fraudulent entries have resulted in unauthorized hard inquiries, adverse reporting, and improper collection activity. I demand the immediate removal of all aforementioned fraudulent items from each of my consumer credit reports and a full cease of any related collection activity, as protected under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law XXXX result in further legal action to protect my consumer 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 explanation