Consumer complaint received 2025-08-31 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Missouri XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Complaint FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am submitting this formal complaint against TransUnion LLC ( TransUnion ) for its willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. Despite my repeated disputes and provision of proper documentation, TransUnion has refused to remove multiple fraudulent credit card accounts from my credit report. 

Background of Identity Theft I was a victim of identity theft as a result of the XXXX  data breach, during which my personally identifiable information was compromised. As a direct result, multiple fraudulent accountsincluding bank accounts and credit cardswere opened in my name without my knowledge or authorization. 

I specifically informed TransUnion that the following accounts are fraudulent and not mine : XXXX XXXX XXXX XXXX ( XXXX ) To substantiate this, I provided : A police report that lists all fraudulent accounts opened in my name ( including the above accounts ) and states that I requested a criminal investigation and am willing to prosecute the perpetrator. 

A copy of my passport ( government-issued ID ). 

A recent utility bill verifying my current residence. 
These documents were submitted as required under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that a consumer reporting agency must block the reporting of any information resulting from identity theft within four ( 4 ) business days of receiving : Appropriate proof of identity, A copy of a valid identity theft report, and A statement identifying the fraudulent accounts in question. 

Despite full compliance with this statute, TransUnion has failed and refused to remove these fraudulent accounts. 

FCRA Violations by TransUnion By continuing to report the fraudulent XXXX, XXXX XXXX, and XXXX accounts, TransUnion is in violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit bureaus to block reporting of accounts resulting from identity theft within 4 business days after receiving the necessary documents.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation of dispu
ted information and deletion of unverifiable information within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

TransUnions continued reporting of these fraudulent accountsdespite receipt of my police report, government ID, and proof of residenceconstitutes willful and negligent noncompliance with federal law. 

Request for Intervention and Investigation I am therefore asking the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to investigate TransUnions unlawful practices and intervene to compel TransUnion to : Immediately and permanently remove the fraudulent XXXX, XXXX XXXX, and XXXX accounts from my credit report. 

Provide a written explanation for its repeated refusal to comply with FCRA 605B despite receiving the required documents.

Correct any damages done to my credit reputation resulting from this violation. 

Additional Information I also informed TransUnion that, during the period when the identity theft occurred, my mail was diverted to an unauthorized address in XXXX where I was briefly residing. For this reason, I filed the police report with the jurisdiction covering my residence at that time. 

Once again, I am resubmitting copies of the documents already provided : Police Report ( Identity Theft ) Passport Recent Utility Bill These documents prove unequivocally that I was a victim of identity theft and that the above-listed accounts are fraudulent. 

Conclusion TransUnions failure to act is a direct violation of the FCRA and has caused ongoing and substantial harm to my creditworthiness and financial reputation. I request that the CFPB and FTC determine why TransUnion continues to break the law and hold them accountable for these violations. 

Sincerely, XXXX XXXX Attachments : Police Report ( Identity Theft ) Copy of Passport Recent Utility Bill

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