Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accountsspecifically Collections, Charge-Offs, Late Payments, and Hard Inquiriesthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX and XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. The fraudulent accounts include a collection from XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, with a balance of {$470.00} ; a collection from XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, with a balance of {$1100.00} ; a XXXX Card credit card account ( XXXXXXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, with a balance of {$9100.00} ; an auto lease with XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, reporting a {$0.00} balance ; an auto lease with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, showing a balance of {$40000.00} ; a lease account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX, with a balance of {$3900.00} ; a credit card from XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX, with a balance of {$1300.00} ; and a credit card account from XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) opened on XX/XX/XXXX, with a balance of {$3700.00}. I respectfully request that TransUnion take immediate action to block and permanently delete these fraudulent entries in accordance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections from XXXX XXXX XXXX ( XX/XX/XXXX, {$470.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX ( XX/XX/XXXX, {$1100.00}, Acct : XXXX XXXX XXXX XXXX XXXX ), credit cards from XXXX XXXX  ( XX/XX/XXXX, {$9100.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX  ( XX/XX/XXXX, {$1300.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ), auto leases from XXXX ( XX/XX/XXXX, {$0.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX, {$40000.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX ), a credit card opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$3700.00}, and a lease from XXXX XXXX ( XX/XX/XXXX, {$3900.00}, Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ). These accounts have resulted in multiple fraudulent inquiries and derogatory marks. I demand their removal from all credit reports and that all collection activity stop under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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