Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX SSN : XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Urgent Dispute of Fraudulent Accounts Under 15 U.S. Code 1681c-2 Request for Immediate Block and Deletion To Whom It May Concern, I am writing to formally file a complaint against XXXX and TransUnion for their failure to comply with 15 U.S. Code 1681c-2 , which explicitly mandates that information related to identity theft must be blocked and deleted within four days of receiving proper notice from the consumer. 

I am a verified victim of identity theft due to the XXXX data breach, which compromised my personal information. As a result, fraudulent accounts have been reported on my credit file with XXXX and TransUnion. Despite my dispute and the submission of necessary supporting documentsincluding a police report and FTC Identity Theft Reportthese bureaus have failed to block and remove the fraudulent information within the legally required timeframe.

Violation of 15 U.S. Code 1681c-2 Under this statute : ( a ) Blocking of Information Resulting from Identity Theft : A consumer reporting agency must block and delete any information resulting from identity theft within four business days of receiving appropriate documentation.

( b ) Prohibition on Refurnishing Blocked Information : Once an item is blocked, it can not be reinserted or re-reported unless there is substantial proof that the information was correctly attributed. 

One of the fraudulent accounts in question is an auto loan reported by XXXX XXXX XXXX. This account is not mine, and I have never registered or owned a XXXX XXXX XXXX. There is no record of such a vehicle ever being associated with me. XXXX XXXX XXXX XXXX can provide definitive proof that I opened this account and that this vehicle has been legally registered in my name, they must immediately remove it from my credit file. 

Requested Action I respectfully demand that the CFPB intervene to ensure compliance with 15 U.S. Code 1681c-2 by requiring XXXX and TransUnion to XXXX XXXX. Immediately block and permanently delete all fraudulent accounts related to my identity theft, including the XXXX XXXX XXXX XXXX XXXX. 
XXXX. Provide written confirmation of the deletions. 
XXXX. Cease any further reporting of the fraudulent information to third parties. 
XXXX. Investigate and enforce compliance to prevent future violations of this statute. 

Failure to comply with this federal mandate is a clear violation of my rights as a consumer. I expect the CFPB to take swift action to hold these credit bureaus accountable for their non-compliance. 

Please confirm receipt of this complaint and provide a response regarding the corrective actions taken. Thank you for your time and attention to this urgent matter. 

Sincerely, 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