Consumer complaint received 2025-12-14 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: CA

Complaint narrative:
Upon reviewing my TransUnion credit report, I discovered an account that does not belong to me, was not opened or authorized by me, and is the direct result of identity theft. I have never applied for, used, or benefited from this account, nor have I had any relationship with the reporting creditor. 

" XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' The presence of this account on my credit report is inaccurate and misleading. It reflects activity that I did not authorize and for which I bear no legal responsibility. I did not consent to the opening of this account, did not sign any agreement related to it, and did not provide my personal identifying information for this purpose. 

This unauthorized account has caused harm to my credit profile and is a violation of my rights under federal consumer protection laws. I am a victim of identity theft, and the continued reporting of this account constitutes the reporting of inaccurate and unlawful information. 

I have taken steps to dispute this account and to notify the appropriate parties that this account is fraudulent and the result of identity theft. Despite this, the account continues to appear on my TransUnion credit report, requiring further corrective action. 

Consumer Protection Laws That Apply to Identity Theft Credit Reporting 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

The FCRA is the primary federal law governing credit reporting and provides the following protections : Consumers have the right to accurate and fair credit reporting. 

Consumer reporting agencies ( including TransUnion ) XXXX not report inaccurate or unverifiable information. 

Consumers have the right to dispute information that is inaccurate or the result of identity theft. 

Credit bureaus must conduct a reasonable investigation and delete information that can not be verified. 

2. FCRA Section 605B Identity Theft Protections ( 15 U.S.C. 1681c-2 ) This section specifically addresses identity theft and provides that : When a consumer submits an identity theft report, credit bureaus are required to block the reporting of information resulting from identity theft. 

The block must occur within XXXX business days of receiving proper documentation. 

Blocked information XXXX not be reinserted unless the furnisher certifies the information is accurate and not the result of identity theft. 

XXXX. Duties of Furnishers of XXXX FCRA 1681s-2 Entities that furnish information to credit bureaus are legally required to : Report only accurate information. 

Correct or delete information they later determine to be inaccurate. 

XXXX a reasonable investigation when notified of a dispute involving identity theft. 

Cease reporting accounts that the consumer is not legally obligated to pay. 

4. Regulation V ( 12 C.F.R. Part 1022 ) Regulation V implements the FCRA and is enforced by the CFPB. It requires that : Creditors and furnishers properly investigate disputes involving identity theft and account liability.

Credit bureaus and furnishers comply with strict procedural safeguards to prevent harm to consumers from fraudulent accounts. 

XXXX. No Liability for XXXX Accounts XXXX federal law, a consumer can not be held responsible for debts incurred through identity theft. Reporting an account for which the consumer has no legal obligation violates the FCRAs accuracy and fairness requirements. 

As a victim of identity theft, I have the legal right to : Have unauthorized accounts removed from my credit report Have identity theft information blocked, not merely updated Receive written confirmation of the results of any investigation Be free from re-reporting of fraudulent accounts without lawful verificationI am submitting this formal complaint regarding the below-referenced account, which is being reported on my Trans Union XXXX XXXX. 

This account does NOT belong to me, and I am demanding its immediate removal in accordance with federal law. 

XXXX XXXX XXXX. This Account Is Not Mine ( FCRA 602A & 609 ( a ) ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report.

FCRA 609 ( a ) ( 1 ) entitles me to all information a furnisher has on this account, including application records, signed contracts, IP addresses, and any documentation allegedly tying me to it.

FCRA 602A states that credit reporting must be fair, accurate, and free of outdated or unverifiable information. 

Since this account does not belong to me, any continued reporting constitutes the reporting of false information. If you can not provide legally valid documentation proving this account belongs to me, you must delete it. 

It Is a Violation to Report or Re-Report Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ( A ) ) It is illegal to furnish information you know or should know is inaccurate. 

If you continue reporting this fraudulent account, you will be knowingly violating federal law. 

You must cease collection activity. 

Included with attachments below is confirmation of my information also being compromised during the Equifax 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