Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate and harmful reporting practices of XXXX XXXX in relation to my persons XXXX XXXX XXXX XXXX file for XXXX, TRANSUNION, and XXXX. I, the living woman XXXX XXXX, have been a victim of identity theft and have been trying to resolve this issue for over 6 months, and despite numerous attempts to resolve the issue, fraudulent accounts and unauthorized credit inquiries continue to appear on my consumer report. These inaccuracies have severely damaged my creditworthiness and caused me ongoing harm. 

For over XXXX months, I have taken consistent action to dispute fraudulent activity that has been reported on my consumer file. Despite my diligence, fraudulent accounts and inquiries remain on my report, which I have clearly identified as resulting from identity theft. 

The most egregious example is the presence of a fraudulent tradeline from XXXX XXXX This fraudulent account was opened on XX/XX/year> with a balance of XXXX XXXX It is very suspicious because I have other accounts with XXXX XXXX in which I have exceptional payment history with this company. XXXX XXXX needs to take that into consideration when investigating this matter. 


I have never applied for or received credit from XXXX XXXX XX/XX/year> and this account was opened without my knowledge or consent. The account shows little payment history and multiple XXXX, XXXX and 120 day late payments, which further supports my claim that a criminal opened this account using my stolen personal information. 

Legal Grounds : Under the FCRA ( 15 U.S. Code 1681c2 ) and 12 CFR 1022.3, consumers have the right to block information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have already provided all four items, including my FTC Identity Theft Report, a copy of my ID, a list of the fraudulent items, and a signed written statement. XXXX XXXX has no legal basis to continue reporting this inaccurate and harmful information. 

If XXXX, TRANSUNION, XXXX XXXX XXXX does not take corrective action and resolve this matter fully and in compliance with the FCRA, I will pursue legal remedies, including : A federal lawsuit for FCRA violations A state lawsuit for civil non-compliance and damages Claims for emotional distress, financial harm, and pain and suffering as a result of this ongoing negligence This issue must be addressed with the urgency it deserves. I appreciate the CFPBs involvement and protection of consumers like myself. 

Thank you for your attention and swift action in this matter.

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