Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
* * Subject : Formal Dispute Inaccurate and Unverifiable Information Due to Identity Theft and Data Breach * * I am writing to formally dispute multiple items on my TransUnion credit report ( Date Created : XX/XX/XXXX ) in accordance with the * * Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX * * and * * Uniform Commercial Code XXXX * *. My consumer file number is * * XXXX * *. 

Due to known * * data breaches at all three major credit bureaus * * ( XXXX  - XXXX, XXXX  - XXXX, TransUnion - XXXX ), my personal identifying information was compromised. As a direct result, I have been a victim of identity theft, and the following accounts and inquiries do not reflect accurate or verifiable reporting. 

-- - * * Unverified or Unauthorized Inquiries * * Please remove the following * * unauthorized hard inquiries * * which were made without my written consent, in violation of * * FCRA XXXX ( a ) ( XXXX ) * * : * * * XXXX XXXX * * XX/XX/XXXX & XX/XX/XXXX * * * XXXX XXXX VIA DEALER * * XX/XX/XXXX * * * XXXX XXXX * * XX/XX/XXXX * * * XXXX * * XX/XX/XXXX, XX/XX/XXXX These inquiries were neither initiated by me nor supported by any permissible purpose. 

-- - * * Bankruptcy XXXX XXXX Dismissed * * * * * Court : * * XXXX Bankruptcy XXXX XXXX Georgia * * * Case # : * * XXXX * * * Filed : * * XX/XX/XXXX * * * Dismissed/Closed * * * * * Date Updated : * * XX/XX/XXXX This item must be removed pursuant to * * FCRA XXXX ( b ) * * and * * XXXX * *, which require data furnishers to ensure the * * maximum possible accuracy * * of consumer information. A dismissed bankruptcy indicates no debt relief or judgment it is * * not a legal determination of insolvency * * and is misleading in its current presentation. Furthermore, per * * XXXX ( a ) ( XXXX ) * *, adverse items may not be reported beyond XXXX  years, and this is stale and prejudicial. 

-- - * * Fraudulent or Inaccurate Negative Items Due to Identity Theft and Data Breach * * The following accounts report * * late payments or charge-offs * * which stem from unauthorized use or mishandling of accounts during the period my identity was compromised. These accounts must be * * investigated and deleted * *, per * * FCRA XXXX ( a ) * * and * * XXXX * *, as well as * * UCC XXXX XXXX *, which preserves my rights under protest to any contract I did not authorize : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : * * XXXX * * * * * * * Status : * * Charge-Off * * * Past Due : * * {$480.00} * * * Remove based on identity theft and data compromise. * * b ) XXXX XXXX XXXX ( Multiple Accounts ) XXXX * * * *, XXXX * * * *, XXXX * * * * ( Reported twice ), * * * Charge-offs and late payment history between XXXX * * * * * Status : * * Repeated " C/O '' ( Charged Off ) not reflective of my activity or authorization * * * Remarks : * * " Account previously in dispute '' without resolution violates * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * * * * Remove based on identity theft and data compromise. * * c ) * * XXXX * * XXXX * * * * * * * Date Opened : * * XX/XX/XXXX * * * Pay Status : * * Account XXXX Days Past Due * * * Balance : * * \ {$81.00} * * * Remove based on identity theft and data compromise. * * d ) * * XXXX XXXXXXXX XXXX XXXX * * XXXX * * * * * * * Opened : * * XX/XX/XXXX * * * Past Due : * * XXXX days reported in XX/XX/XXXX * * * This item must be removed due to inaccurate delinquency and unclear authorization * * * * * Remove based on identity theft and data compromise. * * XXXX ). XXXX XXXX * * * * * * * Date Opened : * * XX/XX/XXXX * * * Pay Status : * * Current * * * Balance : * * \ {$83.00} * * * Remove based on identity theft and data compromise. * * f ) XXXX XXXX XXXX  XXXX XXXX * * * * * * * Date Opened : * * XX/XX/XXXX * * * Pay Status : * * Closed * * * Balance : * * \ {$0.00} * * * Remove based on identity theft and data compromise. * * XXXX ). XXXX, XXXX XXXX * * * * * * * Date Opened : * * XX/XX/XXXX * * * Pay Status : * * Closed * * * Balance : * * \ {$0.00} * * * Remove based on identity theft and data compromise. * * -- - * * XXXX XXXX & XXXX Requested * * Under the * * FCRA XXXX * *, I have the right to dispute any item I believe is inaccurate or unverifiable. Additionally : * * * FCRA XXXX ( A ) : * * Consumer reporting agencies must adopt reasonable procedures to assure fairness and accuracy. 
* * * FCRA XXXX ( a ) ( XXXX ) ( A ) : * * If the disputed information can not be verified, it must be deleted within XXXX days. 
* * * XXXX XXXX : * * I reserve the right to not be bound by any unauthorized transactions or assumed liabilities. 

-- - * * Action Requested * * I respectfully request that TransUnion : XXXX. Delete all unauthorized inquiries * * listed above. 
XXXX. Permanently remove the dismissed bankruptcy * * filed in XXXX. 
XXXX. Delete all negative and late payment entries * * tied to fraudulent or compromised activity. 
XXXX. Reinvestigate all disputed items * * and provide written confirmation of deletion within XXXX days as required by law. 

This dispute is submitted in good faith and with the expectation of prompt compliance under the law. 

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