Consumer complaint received 2025-11-10 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:
XX/XX/year> To : XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Collection Accounts ( XXXX XXXX XXXX XXXX ) To Whom It XXXX Concern, I am writing to formally dispute XXXX fraudulent collection accounts appearing on my XXXX  credit report under the name XXXX XXXX XXXX XXXX. I have no knowledge of these accounts and have never conducted any business or authorized any transactions with XXXX XXXX XXXX XXXX. These accounts were established without my written or expressed permission, and they must be immediately and permanently deleted from my credit report. 
Fraudulent Accounts in XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$410.00} I have no connection to either of these accounts. After investigating the matter, I discovered that my personal information was compromised in multiple national data breaches, including the XXXX XXXXXXXX XXXX, TransUnion XXXX XXXX, and the XXXX XXXX XXXX XXXX. These breaches exposed millions of consumers personal information, making it possible for criminals to open fraudulent accounts in my name without authorization. 
I am enclosing a copy of my FTC Identity Theft Report, police report, and government-issued identification as proof of my identity and documentation supporting my claim. 
Violations of Federal Consumer Protection Laws The continued reporting of these fraudulent accounts violates multiple provisions of federal consumer law, including : FCRA 1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information within 30 days of receiving notice of a dispute. 
FCRA 1681e ( b ) : Mandates that Equifax must maintain reasonable procedures to assure maximum possible accuracy of the information it reports. 
FACTA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit bureaus to block and permanently delete any information resulting from identity theft once proper documentation is submitted. 
FCRA 611 ( a ) ( 5 ) ( B ) : Once information has been deleted due to fraud, it can not be reinserted without full verification and written notice to the consumer within XXXX business days. 
FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibits debt XXXX from using false, deceptive, or misleading representations in connection with the collection of a debt. 
FDCPA 809 ( 15 U.S.C. 1692g ) : Requires debt XXXX to cease collection efforts and verify any disputed debt before reporting it further. 
FCRA 616617 ( 15 U.S.C. 1681no ) : Establishes civil liability for any credit bureau or furnisher that willfully or negligently fails to comply with FCRA obligations. 
XXXX continued reporting of these fraudulent XXXX XXXX XXXX XXXX accounts violates these provisions and exposes the company to civil penalties and federal enforcement action. 
Government Shutdown & Urgent Demand for Resolution Given the current federal government shutdown, I am demanding that this dispute be handled immediately and in good faith. The shutdown does not absolve XXXX  of its legal obligations under federal law. It is imperative that XXXX act promptly to delete these fraudulent accounts, as continued inaction is causing irreparable harm to my credit reputation and financial stability. 
Federal law remains in effect regardless of the shutdown, and XXXX statutory duty to ensure accuracy and correct fraudulent data remains fully enforceable. 
Demand for Immediate Action Pursuant to FCRA 611, FACTA 605B, and FDCPA 809, I am demanding that XXXX : Immediately delete and permanently block both XXXX XXXX XXXX XXXX accounts listed above ; Provide written confirmation that these accounts have been permanently deleted and will not be reinserted in the future ; Supply documentation detailing what, if any, verification was relied upon to justify reporting these accounts ; and Cease all reporting or reinsertion of any fraudulent or unverifiable information related to these accounts. 
If these accounts are not deleted within 30 days as required under federal law, I will file formal complaints with the CFPB, FTC, and my State Attorney Generals Office for enforcement and possible civil litigation under FCRA 616617 for willful noncompliance. 
Conclusion This letter serves as my formal identity theft dispute under FCRA 611 and FACTA 605B. The fraudulent XXXX XXXX XXXX XXXX accounts must be immediately and permanently deleted from my XXXX credit report and blocked from future reinsertion. 
Please confirm in writing once the deletions have been completed. Failure to comply within the statutory timeframe will result in immediate escalation to the CFPB, FTC, and legal counsel for further 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