Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX Customer Data Breach ( Case XXXX ) I have been impacted by XXXX XXXX Breach, XXXX ID XXXX XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. 

My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The derogatory information reflected in my credit report maintained by Trans Union under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed Trans Union XXXX XXXX XXXX that the accounts below are fraudulent. 
Account Name : Credence Resource Management : Account Number : XXXX : Balance : {$1000.00} : Opened : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$7000.00} : Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX : Balance : {$320.00} : Opened : XX/XX/XXXX Account Name : Dept XXXX XXXX Account XXXX XXXX XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX Trans Union routinely and XXXX XXXX the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes, and has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it. Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Trans Union has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report.

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