Consumer complaint received 2025-05-13 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:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued reporting of an inaccurate and unauthorized account by XXXX on my credit report maintained by TransUnion. This account is not mine, has never been authorized by me, and its presence constitutes a gross violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights.

Despite multiple attempts to resolve this directly with both TransUnion and the furnisher ( XXXX ), my efforts have been met with noncompliance and further violations : Grounds for Complaint : Identity Misuse / Unauthorized Reporting : I have never applied for or authorized any account or installment loan with XXXX. This is a potential case of identity theft or administrative misreporting under 18 U.S.C. 1028A ( Aggravated Identity Theft ).

Violation of FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ) : TransUnion failed to follow reasonable procedures to ensure accuracy and wrongfully verified the account despite my formal dispute and lack of supporting documentation from XXXX. 

Violation of FDCPA ( 15 U.S.C. 1692g and 1692f ) : XXXX failed to provide proper debt validation after my certified request. Instead, I received five identical, non-substantive responses that did not meet legal validation standards.

Negligent Alteration of My Credit Report : After my dispute, TransUnion changed details of the XXXX  account without my consent or knowledge, a direct breach of consumer protections and further proof of mishandling. 

Inaccurate Address Reporting : Multiple addresses reported on my credit file ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are entirely unfamiliar to me, indicating serious data inaccuracies that increase risk to my personal financial security. 

Relief Requested : I respectfully demand the following : Immediate removal of the XXXX  account from all of my credit reports ( TransUnion, XXXX XXXX XXXX  ). 

Full investigation by the CFPB into the unlawful conduct of both TransUnion and XXXX. 

Confirmation that this account has been permanently deleted and will not reappear. 

Notice sent to all entities that received my credit report containing this false information within the past two years.

This false reporting has already resulted in financial hardship, denial of credit, and emotional distress. I have spent months educating myself on my rights and pursuing a fair resolution. I am now relying on the CFPB to take swift enforcement action and hold these entities accountable.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX I am attaching a foto of my Florida Drivers License to ensure I am who I said I am, current XXXX XXXX XXXX XXXX bill to verify my address, letter dated XX/XX/year> addressed to Transunion, informing of my formal complaint.

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