Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX RE : Identity Theft Dispute Unauthorized XXXX Credit Card Account and Fraudulent Address To Whom It May Concern, I am writing to formally dispute an account and address appearing on my credit reports, which are clear indications of identity theft. I am a victim of identity theft, and I have never applied for, opened, or authorized any account with XXXX XXXX, nor have I ever resided at the address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

The unauthorized account in question is being reported by all three major credit bureaus ( Equifax, Experian, and TransUnion ) as a XXXXXXXX XXXX credit card account with an outstanding balance of {$1700.00}. The partial account number is : XXXX. 

I request that this account and the fraudulent address be permanently deleted from all my credit reports. Furthermore, I demand that this matter be thoroughly investigated under the protections afforded to me by federal law. 

Supporting Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to block any information from my credit report that results from identity theft. I am asserting my rights under : FCRA 605B ( 15 U.S.C. 1681c2 ) which requires consumer reporting agencies to block fraudulent information from a consumers file within four business days of receiving appropriate documentation.

FCRA 611 ( 15 U.S.C. 1681i ) which mandates credit reporting agencies to investigate disputes within 30 days of receipt.

FCRA 623 ( 15 U.S.C. 1681s2 ) which requires furnishers of information ( such as XXXX XXXX ) to conduct an investigation when notified by the credit bureau of a dispute. 

Please find enclosed the following documentation to support my dispute : A copy of my government-issued ID A copy of a utility bill to verify my address A copy of my FTC Identity Theft Report ( if available ) A written statement of dispute I request that you : Immediately block and remove the unauthorized XXXXer Bank account ( Acct : XXXX ) from all of my credit reports. 

Remove the fraudulent address : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

Confirm in writing once these items have been permanently removed and resolved. 

Failure to act within the time frame required by law may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and potential legal action for willful non-compliance with the FCRA. 

Thank you for your immediate attention to this urgent matter. 

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