Consumer complaint received 2025-06-23 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:
Subject : Request for Removal and Blocking of Fraudulent Accounts Legal Reference On Friday XXXX XXXX at approximately XXXX, I spoke with a representative named XXXX XXXX the removal and blocking of inaccurate, fraudulent accounts from my credit report. I was informed that my police and FTC Identity Theft Report were not acceptable for this purpose. I respectfully challenge this position and request that my reports and supporting documents be accepted in accordance with federal law. 

Relevant Law : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), consumers who are victims of identity theft have the right to request that credit reporting agencies block information resulting from identity theft from appearing on their credit reports. The law states : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The FCRA defines an " identity theft report '' as a report that alleges identity theft with as much specificity as the consumer can provide, and is filed with a law enforcement agency or the FTC ( see 15 U.S.C. 1681a ( q ) ).

My Documentation : I have provided the following documentation to validate my identity and support my claim : - A valid police report - An FTC Identity Theft Report - A copy of my drivers license - A recent utility bill These documents confirm my identity and establish that I have never lived at the addresses associated with the fraudulent accounts in question. 

Request : In accordance with the FCRA, I respectfully request that you process my request to remove and block the fraudulent accounts from my credit file. Please confirm receipt of this request and provide a written response within the timeframe required by law. 

Sincerely, XXXX XXXX Key Law Codes to Reference : - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - FCRA Definition of Identity Theft Report ( 15 U.S.C. 1681a ( q ) ) Accounts in Question/Public records 3 Bankruptcies Bankruptcy XXXX XXXX Filed on XXXX XXXX, XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX Reference number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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