Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
( FCRA 605B 15 U.S.C. 1681c-2 ) Companies Complained About Experian Information Solutions , Inc . 

Equifax Information Services LLC TransUnion LLC Complaint Summary I am a confirmed victim of identity theft. I submitted valid FTC Identity Theft Reports, a police report, and proof of identity to Experian, Equifax, and TransUnion. 

Despite receiving this documentation, all three credit reporting agencies are continuing to report identity-theft accounts and are improperly treating my submissions as consumer disputes or reinvestigations instead of blocking the information as required by law. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block identity-theft information within XXXX business days of receiving a valid identity theft report.

Detailed Bureau-by-Bureau Violations Experian Information Solutions , Inc . 

Experian is continuing to report identity-theft accounts including, but not limited to : XXXX XXXX XXXX 

XXXX XXXX / XXXX ( sold to XXXX XXXX ) These accounts are reported as charge-offs with balances and are marked Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) instead of being blocked. 

Experian is improperly processing identity theft as a standard dispute, which is prohibited under FCRA 605B. 

Equifax Information Services LLC Equifax is continuing to report identity-theft accounts including : XXXX XXXX XXXX  Equifaxs own reporting states CONSUMER DISPUTES REINVESTIGATION IN PROGRESS, confirming Equifax is reinvestigating rather than blocking the identity-theft account. 

This is a direct violation of FCRA 605B, which does not permit reinvestigation once a valid identity theft report has been submitted. 

TransUnion LLC TransUnion is continuing to report multiple identity-theft accounts and downstream collection accounts, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to appear as charge-offs and collections despite TransUnion receiving my FTC Identity Theft Report and supporting documentation. TransUnion has failed to apply mandatory identity-theft blocks and is allowing continued reporting and reinvestigation in violation of FCRA 605B.

Legal Basis Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a consumer reporting agency receives a valid identity theft report, it must : XXXX the reporting of identity-theft information Cease reinvestigation or dispute processing Prevent further reporting, re-aging, or resale of the account Ensure downstream debt buyers and collection agencies do not continue reporting Experian, Equifax, and TransUnion have each failed to comply with these statutory requirements.

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