Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Dispute of Fraud Determination and Improper Credit Reporting Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue type : Credit reporting / Fraud claim improperly denied Complaint Description I am submitting this complaint to dispute XXXX determination regarding an account they allege was fraudulently opened in my name and their continued attempt to hold me financially responsible without producing competent evidence. On or about XX/XX/XXXX, I received a letter from XXXX XXXX XXXX Department stating that they completed an investigation and concluded that I am responsible for the account and charges. XXXX claims this determination was based on an assertion that I received benefits from the disputed charges and had knowledge of the debt. However, XXXX failed to provide any documentary or admissible proof that I opened, authorized, or benefited from this account. Specifically, XXXX has not provided : A signed credit application or cardholder agreement Any electronic signature XXXX XXXX address, device information, or application logs Proof of delivery or receipt of merchandise Any evidence demonstrating my authorization or participation Macys conclusion is based solely on unsupported assumptions, not evidence. Additionally, XXXX states that the account was closed due to security concerns, which directly contradicts their position that I am responsible for the debt. Closing an account for security reasons while simultaneously asserting liability without proof is inconsistent, misleading, and improper. Despite this, XXXX has indicated an intent to continue reporting the account to consumer reporting agencies, which constitutes inaccurate and unverifiable reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Violations and Concerns Failure to conduct a reasonable investigation Improper shifting of the burden of proof to the consumer Reporting information without verification or evidence Concluding liability without demonstrating authorization Potential willful or negligent violations of the FCRA Requested Resolution I am requesting that XXXX : Provide full documentary proof that I opened or authorized this account, including the original application and all supporting data ; or Immediately cease reporting this account to all consumer reporting agencies and request deletion ; and Confirm in writing that I am not responsible for this account or any related charges. If XXXX is unable to produce competent evidence establishing liability, continued reporting is inaccurate and unlawful. Additional Information I am prepared to provide identity theft documentation upon request. This complaint is submitted to preserve my rights under federal consumer protection laws.

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 explanation