Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am writing to file a formal complaint against TransUnion LLC for failure to comply with the Fair Credit Reporting Act ( FCRA ) provisions regarding the blocking/removal of fraudulent information resulting from identity theft. I am a victim of identity theft, as documented in police report XXXX filed with the XXXX XXXX XXXX XXXX. The identity thief opened numerous accounts ( and even a fraudulent bankruptcy filing ) in my name without my authorization. I discovered these fraudulent accounts on my TransUnion credit report and promptly took action to have them removed. 

On [ date of request to TransUnion ], I notified TransUnion of the identity theft and provided all documentation required under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block the fraudulent information. This included : proof of my identity, a copy of the identity theft police report ( Report # XXXX ), a clear identification of each fraudulent account, and my signed statement declaring that these accounts and records do not belong to me and were opened without my consent. Under FCRA 605B, a consumer reporting agency must block reporting of information resulting from identity theft within four ( 4 ) business days of receiving the consumers request and documentation. TransUnion, however, has failed to do so. As of the date of this letter, these fraudulent accounts and derogatory records remain on my TransUnion credit file well beyond the 4-business-day timeframe mandated by law. 

The following accounts/records were fraudulently opened or reported in my name ( tied to the identity theft incident in the above police report ) and should have been deleted from my TransUnion credit report pursuant to FCRA 605B. I never opened or authorized any of these accounts : XXXX XXXX XXXX ( XXXX ) Account/Reference Number : XXXX ( fraudulent public record ; I was not involved in this bankruptcy ) XXXX XXXX XXXX Bank Account Number : XXXX ( fraudulent credit card account, not opened by me ) XXXX XXXX XXXX XXXX Account Number : XXXX ( fraudulent account, not opened by me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( fraudulent account, not opened by me ) XXXX XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX XXXX XXXX * * ( fraudulent account, not opened by me ) XXXX  Account Number : XXXX ( fraudulent account, not opened by me ) XXXX ( XXXX ) Account Number : XXXX ( fraudulent retail credit account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent loan account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent loan account, not opened by me ) XXXX XXXX Account Number : XXXX * * * * ( fraudulent loan account, not opened by me ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( fraudulent auto finance account, not opened by me ) XXXX XXXX XXXX XXXX Account Number : XXXX * * ( fraudulent collection account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent collection account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent collection account, not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent collection account, not opened by me ) Second XXXX XXXX Account Number : XXXX XXXX fraudulent account XXXX not opened by me ) XXXX XXXX XXXX Account Number : XXXX * * * * ( fraudulent account, not opened by me ) ( Each of the above accounts was opened or reported by the identity thief. None of them are mine, and I received no goods, services, or funds from any of these accounts. ) I contacted TransUnion and requested that these accounts be blocked or removed under the FCRAs identity theft procedures, but TransUnion has not complied. Their continued reporting of this bogus information is a clear violation of my rights under FCRA 605B. This failure to remove known fraudulent accounts is causing significant harm : it is unjustly damaging my credit score/report and causing me personal and financial distress. It is unacceptable that, despite being provided with a valid law enforcement report of identity theft and all required information, TransUnion has left these illegitimate accounts on my record.

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