Consumer complaint received 2025-12-05 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: OK

Complaint narrative:
This complaint is against XXXX XXXX XXXX and its partnered lender XXXX XXXX XXXX ( Member FDIC ). 
Both entities are engaged in deliberate, systematic, and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) involving a fraudulent account that was opened using stolen identity information and continues to be furnished as if it were legitimate. 

XXXX. Overview of Misconduct Despite being notifiedmultiple timesthrough formal disputes, identity-theft documentation, and supporting evidence, XXXX XXXX and XXXX XXXX XXXX continue to : Furnish patently inaccurate and impossible credit data Reinsert deleted information Ignore statutory investigation duties Operate without any functional means for consumers to resolve disputes Report mathematically impossible delinquency timelines Maintain an app-only system that blocks fraud victims from accessing or correcting account data This conduct is not accidental. 
It constitutes willful noncompliance under 15 U.S.C. 1681n, 1681s-2 ( a ), and 1681s-2 ( b ). 

XXXX. Identity-Theft Status and Unrefuted Documentation The account was created through identity theft, and the following documentation exists and has already been provided to the credit bureaus : FTC Identity Theft Report Police Report Affidavit of Identity Theft Documentation showing all contact information, credentials, and linked accounts belong to an unknown third party Possible Finance has never provided : The email used The phone number used The bank account used Any communication regarding the loan Any accessible method to verify or dispute the data The app can not be accessed because the credentials do not belong to the victim, and no recovery email or text ever arrives demonstrating the account is not tied to the consumers identity in any legitimate way. 

Under FCRA, the burden of accuracy is entirely on the furnisher, not the victim. 

XXXX. Impossible, Contradictory, and Illegally Furnished Reporting Both entities furnished data that is objectively impossible, including : A 3060 day microloan reported with over XXXX consecutive months of delinquency. 

Charge-offs reported twice once in XXXX, and again in XXXX. 

Different addresses and business information reported across bureaus, despite FCRA accuracy requirements. 

Inconsistent account details between Experian and TransUnion. 

These are not mistakes. 
These are FCRA violations, each one carrying statutory penalties. 

XXXX. XXXX XXXX in XXXX XXXX XXXX is not licensed to originate or service consumer loans in the State of Oklahoma under any lending statute. 

Yet they furnished data on a loan allegedly connected to an Oklahoma resident. 

This creates a legal XXXX : If they claim the consumer lived in Oklahoma they XXXX issued/serviced a loan without authorization. 

If they claim the consumer lived elsewhere they admit the account is fraudulent because the consumer was living in Oklahoma. 

Either way, the data they furnished is unlawful. 

XXXX. Severe and Measurable Consumer Harm ( Full Nuclear Section Included ) These unlawful reporting practices result in severe, quantifiable, and escalating consumer harm, including but not limited to : Systemic credit suppression, where consumers are artificially pushed into subprime credit tiers due to fabricated delinquency strings spanning multiple years on products that do not even permit delinquency of that duration. 

Barriers to housing and long-term stability, including repeated denials from landlords, lenders, and tenant-screening agencies who rely on the accuracy of credit files furnished by XXXX  XXXX and XXXX XXXX XXXX. 

Forced higher-interest borrowing, where consumers are compelled to accept predatory and inflated interest rates solely because of derogatory information that is false, unlawfully furnished, and mechanically reinserted despite identity-theft documentation. 

Emotional and psychological harm, including anxiety, emotional distress, sleep disruption, and prolonged instability caused by multi-year false reporting, the inability to correct the record, and the total absence of any reachable consumer-service infrastructure. 

Economic harm measured in significant time and lost opportunity, including hundreds of hours spent disputing false information, inability to qualify for loans or stable housing, missed employment opportunities, and the financial fallout of false charge-offs. 

Statutory-damages exposure, where each unlawful reinsertion, each failure to conduct a reasonable investigation, and each instance of knowingly inaccurate furnishing constitutes a separate violation under the FCRA each potentially subject to statutory damages of up to {$1000.00} per violation, plus punitive damages for willful misconduct. 

Exposure to private and class-based litigation, because these patterns including impossible delinquency timelines, dual charge-offs, inaccurate personal data, and a system designed to block consumer disputes mirror misconduct that has already resulted in significant judgments and settlements ( e.g., XXXX v. TransUnion, XXXX v. TransUnion ) XXXX 

Together, these harms demonstrate not only non-compliance, but a willful and reckless disregard for federal law, the accuracy of consumer files, and the real-world consequences inflicted on the consumers they knowingly harm. 

XXXX. Requested CFPB Action I request that the Bureau exercise full supervisory and enforcement authority to require XXXX XXXX and XXXX XXXX XXXX to : Permanently delete the fraudulent tradeline from all consumer reporting agencies. 

Cease all future furnishing of any data connected to this identity-theft account. 

Produce all investigation records, internal notes, and communications under penalty of perjury. 

Explain how an app-only lender with no functional consumer contact infrastructure intends to comply with federal law. 

Undergo supervisory review regarding compliance, accuracy controls, and identity-theft procedures. 

XXXX. Notice of Intent to Pursue Remedies If this matter is not immediately corrected, the victim intends to pursue : Actual damages Statutory damages per violation Punitive damages Attorneys fees State-law claims for unfair practices and illegal lending under 15 U.S.C. 1681n and 1681o. 

Signature Respectfully submitted, XXXX XXXX XXXX XXXX, Oklahoma Email : XXXX Phone : 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