Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts and hard inquiries currently appearing on my credit report maintained by TransUnion, pursuant to my rights under federal law as a victim of identity theft and due to the Equifax data breach of XXXX. 

XXXX Data Breach Background In XX/XX/XXXX, Equifax announced a catastrophic data breach that compromised the personal information of over XXXX XXXX Americans including names, Social Security numbers, dates of birth, addresses, drivers license numbers, and in some cases, credit card details. This massive failure in protecting consumer data subjected millions, including myself, to the ongoing risk of identity theft. 

As a direct result of this breach, fraudulent accounts and hard inquiries have been unlawfully reported on my TransUnion credit file. These accounts were not authorized by me and were opened by individuals who gained access to my stolen information. 

Legal Authority & Supporting Documentation Under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to block and permanently delete any information resulting from identity theft upon receipt of the following : Proof of identity ( enclosed ) Copy of an Identity Theft Report ( enclosed ) Identification of the fraudulent information ( below ) A sworn statement affirming the fraudulent nature of the accounts ( included in Affidavit of Truth ) Fraudulent Inquiries to Be Deleted : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Fraudulent Accounts to Be Deleted : XXXX XXXX Account Number : XXXX * * * * XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX Account Number : XXXX * * * * Applicable Laws Violated : 15 U.S. Code 1681c-2 ( a ) Block fraudulent info 15 U.S. Code 1681s-2 ( a ) ( 6 ) Identity theft blocking obligations 15 U.S. Code 1681e ( b ) Duty to maintain accuracy 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Manual, reasonable reinvestigation 15 U.S. Code 6801 & 6802 Consumer privacy protections 15 U.S. Code 1692 FDCPA prohibiting deceptive practices Requested Actions : Immediately block and remove all fraudulent accounts and unauthorized inquiries listed above Do not use the e-OSCAR system ; conduct a manual reinvestigation as mandated under the law Provide written confirmation of all deletions Send an updated copy of my credit report reflecting the corrections Cease and Desist Notice : This letter also serves as a formal demand that TransUnion and all furnishers involved immediately cease and desist from : Reporting fraudulent accounts or inquiries Processing my dispute through any automated platform ( e.g., e-OSCAR ) Providing false or misleading information to third parties Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and a civil lawsuit under 15 U.S. Code 1681n and 1681o. 

Affidavit of Truth XXXX XXXX I, XXXX XXXX, affirm under penalty of perjury that : I did not authorize or open any of the accounts or inquiries listed above These items are not related to any transaction I knowingly participated in My personal information was compromised in the XXXX Equifax Data Breach These errors are negatively affecting my creditworthiness I demand full compliance with all relevant federal laws Final Notice & Legal Consequences This complaint is submitted directly by me, the consumer. I have not retained or authorized any third-party credit repair agency to act on my behalf. You are required to acknowledge receipt of this dispute within four ( 4 ) days. If not resolved, I will escalate this matter to federal and state authorities and pursue damages through legal action. 

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