Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Comprehensive FCRA Dispute Letter - Fraudulent Bankruptcy Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Multiple FCRA Violations- Fraudulent XXXX XXXXXXXX Bankruptcy Record XXXX XXXX XXXX XXXX XXXX  Dear Federal Trade Commission and Consumer Financial Protection Bureau, I am formally filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple violations by TransUnion and demanding immediate investigation and remediation of a fraudulent XXXX XXXX bankruptcy ( Reference XXXX XXXXXXXX ) that has been illegally placed on my credit report. 

XXXX XXXX  FCRA VIOLATIONS BY TRANSUNION XXXX XXXX  I HAVE NEVER FILED FOR BANKRUPTCY IN MY LIFE. XXXX XXXX Despite this fact and my repeated disputes, TransUnion continues to report fraudulent bankruptcy information, violating numerous FCRA provisions XXXX XXXX XXXX XXXX  Primary FCRA Violations : - XXXX XXXX  607 ( b ) - Maximum Possible Accuracy * * : TransUnion failed to maintain maximum possible accuracy by reporting false bankruptcy information XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) - Investigation Requirements * * : TransUnion failed to conduct reasonable investigation of disputed information - XXXX XXXX XXXX ( a ) ( XXXX ) - Prompt Deletion * * : TransUnion failed to promptly delete or correct inaccurate information after investigation - XXXX XXXX XXXX ( b ) - Duties Upon Notice of Dispute * * : TransUnion violated duties to investigate and correct inaccurate information - XXXX XXXX XXXXXXXX - Civil Liability for Willful Noncompliance XXXX XXXX XXXX TransUnions continued reporting of known false information constitutes willful noncompliance - XXXX XXXX XXXX  - Civil Liability for Negligent Noncompliance XXXX XXXX : TransUnions failure to follow reasonable procedures violates negligence standards XXXX XXXX  TRANSUNIONS INADEQUATE RESPONSE On XX/XX/XXXX, TransUnion responded to my dispute regarding XXXX XXXX ( Complaint ID : XXXX ) with the following inadequate response : * After reviewing XXXX XXXX complaint, we found the information they disputed does not currently appear on their TransUnion credit report. Its possible the information was updated before we reviewed their report, or it was reported by XXXX of the other credit reporting companies. We recommend reviewing their credit report again. * This response demonstrates TransUnions failure to conduct a reasonable investigation as required under FCRA 611 ( a ). TransUnions suggestion that I review their credit report again shows they did not properly investigate the fraudulent bankruptcy record # XXXX that continues to appear. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Breaches Enabling Identity Theft : My personal information was compromised in documented data breaches that directly enabled this fraudulent bankruptcy filing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, full name, address, phone number, and other personal identifiers were exposed when the hacking group XXXX stole XXXX XXXX records XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Confirmed impact on my personal information through official settlement notification XXXX XXXX XXXX XXXX XXXX Letter : I possess a letter dated XX/XX/XXXX, from XXXX- the secondary bureau that TransUnion relies upon to validate public records accuracy - confirming that XXXX XXXX  NO BANKRUPTCY RECORDS EXIST XXXX XXXX in my public records profile. This definitively proves the fraudulent nature of bankruptcy reference XXXX XXXXXXXX. 

# # IDENTITY THEFT BLOCKING RIGHTS Under FCRA 605A, as referenced in the attached identity theft documentation : * If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. * The fraudulent bankruptcy directly results from the documented data breaches and constitutes identity theft requiring immediate blocking under XXXX. 

# # DEMANDS FOR IMMEDIATE ACTION Under federal consumer protection law, I demand : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EVIDENCE DOCUMENTATION This complaint includes supporting evidence : - Screenshots of data breach confirmations showing compromised SSN XXXXXXXX XXXX XXXX breach XXXX notification - TransUnions inadequate dispute response dated XX/XX/XXXX - XXXX letter XXXX XX/XX/XXXX, confirming no bankruptcy records exist - Documentation of identity theft blocking rights under FCRA 605A XXXX XXXX CONCLUSION The fraudulent bankruptcy record # XXXX is a direct result of identity theft enabled by the documented data breaches. TransUnions continued reporting of this false information, despite clear evidence of its fraudulent nature and verification from XXXX that no such records exist, constitutes multiple willful violations of the FCRA. 

I demand immediate federal investigation and enforcement action against TransUnion for these systematic FCRA violations that have damaged my credit profile through fraudulent bankruptcy reporting. 

This identity theft directly resulted from documented data breaches, and I demand full remediation under all applicable federal consumer protection statutes. 

Respectfully submitted, XXXX 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 explanation