Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to Report Identity Theft and formally dispute the accuracy of the following fraudulent account that has been reinserted on my credit report : DISPUTE TYPE : Identity TheftACCOUNT : XXXX XXXX XXXX XXXX $ XXXXSTATUS : Charge-Off Unauthorized / FraudulentREQUEST : Block and suppress permanently per FCRA 605B Identity Theft I am asserting that I did not open, authorize, or benefit from this account. It was opened due to identity theft and must be treated in accordance with the identity theft provisions of the FCRA. Please block and suppress the tradeline immediately.

No account number is associated with this tradeline in my credit report ; this violates Metro 2 compliance standards for accurate data furnishing. This reporting fails Metro 2 compliance standards set by the XXXX XXXX XXXX XXXX ( XXXX ) as it lacks proper account identification and authorization history. As such, this furnishers data should be flagged for unverifiable or fraudulent origin. his account has been reported as fraudulent and has drastically affected my credit score and ability to obtain new credit. Despite my prior efforts to dispute this account, it has been reinserted into my credit report without proper verification.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and specifically 15 U.S.C. 1681s-2, I request that you conduct a thorough reinvestigation of this account. Additionally, pursuant to 15 U.S.C. 1681c-2, I am formally requesting that you block and suppress this information from my credit report within 4 business days, as I have provided sufficient proof of identity theft.

The cause of my identity theft can be traced directly to the Equifax data breach of 2017. As you are likely aware, this breach exposed sensitive personal information of millions of Americans, including mine. Due to this breach, my personal data was compromised, and I have since been a victim of identity theft, as reflected in the fraudulent account now on my credit report.

Under 15 U.S.C. 1681c, which addresses the removal of information related to identity theft, I am entitled to have any fraudulent accounts blocked from my report if I provide sufficient evidence of the theft. In support of my claim, I have enclosed the following documents : A copy of the Local Police report from the XXXX XXXX XXXX XXXX XXXX confirming identity theft related to this account. 
A signed and notarized Identity Theft Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity. 
This account was not authorized by me, and I have no knowledge of its existence. I am requesting that this account be permanently removed from my credit report, and that you take necessary actions to ensure compliance with the FCRA. 
If you do not block/ suppress the account, I demand that you provide the XXXX response code associated with this dispute, including any verification certifications from the furnisher, per Metro 2 guidelines.

In addition, please be aware that under 15 U.S.C. 1681, if the account is not suppressed, removed or blocked, I have the right to take legal action, including filing a lawsuit for damages under the FCRA.

If you fail to comply, I will consider all available legal remedies, including arbitration and litigation, to protect my rights.

Thank you for your prompt attention to this matter. Let me be unequivocally clear : this account is the result of identity theft and I did not authorize, open, or benefit from it in any form. I have repeatedly communicated this fact to both the furnisher and your bureau. This dispute should be handled and treated strictly as an identity theft account, and must be resolved accordingly under federal law.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following statutes : 15 U.S.C. 1681c-2 You are required to block all information resulting from identity theft from a consumer 's credit report within four business days upon receipt of proper documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If disputed information is reinserted after deletion, the credit bureau must notify the consumer within five business days, provide the name, address, and phone number of the furnisher, and certify accuracy. This protocol was not followed.

15 U.S.C. 1681e ( b ) You have a legal duty to maintain maximum possible accuracy in the information you report. Continuing to report a fraudulent, inaccurate, and unverified account is a direct violation of this statute.

Additional Legal Grounds for Immediate Deletion : Although this account is clearly fraudulent, additional violations and irregularities warrant its immediate removal regardless : This XXXX XXXX XXXXccount is being reported solely on my TransUnion credit report and not on XXXX  or XXXX, raising serious questions about the integrity and uniformity of the reporting process. 
The account is being furnished as a charge-off, which by IRS standards is considered canceled debt or gross income. According to the IRS, when a lender " charges off '' a debt, it has either been : Deducted as a business loss, or Paid off through an insurance claim or similar recovery.

As such, reporting charged-off debt on a credit report constitutes an illegal furnishing of income, and violates consumer protections. ( See IRS Publication 525 and 26 U.S. Code 61 Gross Income Defined ).

I have never received IRS Form 1099-C, which a creditor is required to issue if they cancel or forgive debt over {$600.00}. If a charge-off occurred, the creditor must have received a tax benefit and yet, they have not complied with the associated IRS disclosure requirements. This alone disqualifies the accuracy and legality of this reporting.

Supporting Documentation Enclosed : Allow me to reiterate as required under 15 U.S.C. 1681c-2, I have enclosed all relevant materials substantiating my identity theft claim, including : A signed and notarized Identity Theft Affidavit A Police Report from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my FTC Identity Theft Report Proof of my identity I have also placed fraud alerts on all three credit bureaus under 15 U.S.C. 1681c-1, yet this account was still reported to TransUnion, ignoring safeguards meant to prevent such incidents.

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