Consumer complaint received 2025-03-02 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: MI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Credit Reporting Agencies for Noncompliance with Identity Theft Laws Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the failure of the credit reporting agencies and data furnishers to remove fraudulent accounts from my credit report and update my personal information as required under federal law. 

1. Identity Theft and Fraudulent Accounts I am a victim of identity theft, which has led to the unauthorized opening of accounts in my name. Despite multiple requests to block and remove these fraudulent accounts, the credit reporting agencies have failed to take the necessary actions. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile, further supporting my claim of identity theft. 

2. Failure to Update Personal Information Despite my repeated requests, my personal information remains outdated and incorrect. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ). The following information requires immediate correction : Legal Name : My credit report should only display " XXXX XXXX. '' Address Update : The only valid address to remain on file is XXXX XXXX XXXX, XXXX, MI XXXX. All other addresses must be removed as I no longer reside at or have access to them. 

Phone Numbers : Remove all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : My Social Security number and date of birth should not be displayed on my credit report for privacy reasons. 

Employer Information : Delete all employer information listed on my report. 

XXXX. Data Breach Impact and Negligence My personal information was compromised in several major data breaches, including : Equifax breach ( XXXX ) XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX breach ( XXXX ) XXXX XXXX records leaked, including passport numbers. 

Experian breach ( XXXX ) Millions of Social Security numbers and credit histories exposed. 

Due to these breaches, my identity was stolen, and fraudulent accounts were opened in my name. The credit bureaus failed to take proper action despite repeated fraud alerts and disputes. 

4. Legal Violations The credit reporting agencies and data furnishers have violated multiple provisions of the FCRA and other federal statutes, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure to ensure accuracy in reporting.

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