Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. Specifically, the fraudulent accounts reported by TransUnion include a XXXX mortgage account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$120.00} ; an XXXX XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a XXXX collection account ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$0.00} ; a collection account ending in XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$1100.00} ; a collection account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$11000.00} ; a collection account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported balance of {$1300.00} ; a collection account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$1300.00} ; and a collection account ending in XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, with a reported balance of {$2400.00}. These accounts do not belong to me, were never authorized by me, and must be immediately blocked and permanently deleted pursuant to the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report 10 fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a mortgage reported by XXXX opened XXXX XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$0.00}, a credit card reported by XXXX opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$120.00}, a personal loan reported by XXXX opened on XX/XX/XXXX under account XXXXXXXX XXXX XXXX XXXX for {$0.00}, a collection reported by XXXX opened on XX/XX/XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$0.00}, a collections reported under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$11000.00}, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00}, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00}, and account XXXXXXXX XXXX XXXX opened on XX/XX/XXXX for {$2400.00} and a collection reported under account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$1100.00}. These accounts have caused fraudulent reporting, inquiries, and collections harming my credit profile. I demand immediate removal of these items and cessation of all related collection activity under my rights within the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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