Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Equifax and Transunion Data Breach Dispute Demand for Immediate Deletion of Fraudulent Accounts Based on CFPB Action To Whom It May Concern, I am formally disputing the presence of the following accounts on my credit file, which I believe are possibly the result of identity theft stemming from the Equifax and transunion data breaches : Below is a list of the accounts and Inquiries I am disputing as fraudulent : 1. DEPT OF EDUCATIONXXXX XXXX, Balance : {$1300.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$3800.00} XXXX. XXXX XXXX, XXXX, Balance : {$140.00} XXXX. XXXX XXXX XXXX XXXX, BALANCE : {$21000.00} XXXX. XXXX XXXX XXXX, XXXX, BALANCE : {$1900.00} XXXX. XXXX XXXX XXXX XXXX, Balance : {$7100.00} XXXXXXXX XXXX XXXX XXXX, Balance : {$63.00} FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian FRAUDULENT ADDRESSES : XXXX. XXXX XXXX AV XXXX XXXX XXXX, NV XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX These accounts are fraudulent and the direct result of identity theft tied to the Equifax data breach of XXXX, which compromised the sensitive personal data of more than XXXX XXXX Americans, including Social Security numbers, credit card details, and other critical identifiers. 


It is well-documented that this breach has led to widespread fraudulent activity, with criminals using stolen data to open unauthorized credit accounts. The accounts appearing on my report fit this exact pattern. I have never authorized these accounts, and any claim otherwise must be substantiated with legally admissible documentation including signed applications, IP addresses, and identity verification records. 


Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am exercising my full right to dispute inaccurate, incomplete, or unverifiable information. Federal law requires you to conduct a reasonable investigation within 30 days and either verify the accounts with proper documentation or delete them entirely. Simply parroting information from the furnisher without independent verification is a violation of the FCRA, as confirmed in numerous CFPB enforcement actions. 


Further, I draw your attention to the Consumer Financial Protection Bureaus lawsuit against Experian, which alleges systemic violations including the failure to properly investigate disputes and the continued reporting of unverifiable data. These violations directly mirror what occurs when fraudulent accounts from a known breach remain on a consumers file. Be advised : any failure on your part to perform a thorough investigation will be documented and reported to the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney General for enforcement. 


Let me be perfectly clear : If you can not produce hard proof not assumptions, not hearsay, but verifiable evidence that I personally opened and authorized these accounts you are legally obligated to delete them. 
Continuing to report fraudulent accounts in light of the Equifax breach constitutes willful noncompliance with federal law and subjects your agency to liability under FCRA 616 and 617, which provide for actual, statutory, and punitive damages, plus attorneys fees. 



This letter places you on notice. Should you fail to remove the fraudulent accounts or attempt to verify them without legitimate documentation, I will pursue all available remedies, including litigation. I expect written confirmation of deletion within the time allowed by law. Failure to comply will result in escalation without further warning. 


Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief