Consumer complaint received 2025-11-05 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: AZ

Complaint narrative:
I am a victim of identity theft, causing severe hardship. An identity theft report, police report, IRS XXXX XXXX Identity Theft affidavit, and disputes for the original awareness of identity theft were filed in XXXX. However, new identity theft has recently appeared, including XXXX XXXX XXXX owned by XXXX  for the XXXX XXXX XXXX card in the amount of {$1300.00}, which is not mine. 
Here is the timeline : XX/XX/XXXX I discovered a XXXX XXXX XXXX XXXX that is not mine, and disputed it with TransUnion. I never applied for, did not receive the card, and did not place any charges on this card. Per my call to XXXX XXXX  automated phone line, upon entering my social security number, it located an account ending in XXXX the rest of the account number is unknown, which I assume is the card disputed. The dispute was denied with no documentation provided or verification provided. 

XX/XX/XXXX I pulled up my credit reports to see what my score was to finance a car, which used to be in the high XXXX and was as low as XXXX on the XXXX reports, because my car was totaled on XX/XX/XXXX by a hit-and-run driver. This is when I became aware of additional identity theft, including the disputed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, still on my reports, plus an employer, address, and phone number that were not mine on my credit reports. At this time, I contacted all three credit bureaus and disputed these. 
XX/XX/XXXX I contacted XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but was told I had a cease and desist on the account, and they could not talk to me. 

XX/XX/XXXX I called back XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX to lift the cease and desist, dispute that this was not my card reporting the identity theft, and requested full documentation, including the application, ID used, the address the card was sent to, and statements, debt validation, and investigattive disclosure. I was informed that they could only mail these to me, and it would take XXXX 7 days to receive them. I have been waiting 14 days and have not received any documents. 

XX/XX/XXXX Around XXXXXXXX XXXX, I was served with a summons to obtain a judgment against me for this disputed card, dated and stamped XX/XX/XXXX at the court, but not served for almost XXXX weeks, and served after they had my formal dispute notes of my identity theft. 

XX/XX/XXXX Called XXXX XXXX XXXXXXXX listed on Experian to ask why the documents have not been received in XXXX weeks when they were promised within a week, and XXXX said it wasnt reported right on her side, so they never sent me anything. XXXX requested this again and said it will take another XXXX 7 days. 

XX/XX/XXXX Sent a certified, return receipt, notarized formal demand for validation and investigation results to XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached.

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