Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
This complaint is submitted in the public interest to highlight the gross negligence, systematic abuse, and reckless disregard by Equifax, Experian, and TransUnion toward the federally protected rights of identity theft victims under the Fair Credit Reporting Act these nationwide consumer reporting agencies : Fail to block fraudulent information as required within four ( 4 ) business days ( 15 U.S.C. 1681c-2 ) ; the Agencies Continue to knowingly report false, defamatory information to third parties, compounding financial harm, credit damage, and emotional distress to victims.

This reflects not isolated error, but a pattern of systematic abuse that undermines public trust in the consumer reporting system.

By ignoring clear federal obligations, these agencies are placing millions of consumers at risk and betraying their essential public function.

I am the victim of identity theft, and there are fraudulent accounts appearing on my credit report that do not belong to me. This is not a typical credit reporting dispute. I have provided all documentation required under federal law to have these accounts permanently blocked and removed, including : -A police report filed with [ XXXX XXXX XXXX XXXX XXXX Case # XXXX -A completed FTC Identity Theft Affidavit -A list of fraudulent accounts ( Exhibit A ) -Proof of my identity These documents were sent to [ Equifax, Transunion, Experian ] on [ XX/XX/XXXX ] via certified mail and received on XX/XX/XXXX, XX/XX/XXXX. 
Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the credit bureau is legally required to block this information within four ( 4 ) business days of receiving proper documentation. The law does not require a traditional reinvestigationit requires an immediate block of the identity theft-related data.

Despite meeting all requirements, the credit bureau/furnisher has failed to block and remove the fraudulent accounts. This is a direct violation of federal law and causes continued harm to my credit, employment prospects, and financial reputation. This behavior reflects a systemic pattern of credit bureaus failing to honor their legal obligations to identity theft victims. This ongoing conduct directly undermines PUBLIC TRUST in the integrity of the credit reporting system and leaves identity theft victims without meaningful recourse, even when they follow all legal procedures.

Protecting the integrity of consumer credit files is critical to maintaining public confidence in the financial system. This complaint is submitted not merely to remedy a private wrong, but to protect the broader public interest, uphold the public trust in the credit reporting system, and ensure that consumer reporting agencies are held accountable to the laws designed to protect vulnerable identity theft victims.

Thank you for your prompt attention to this critical matter.

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