Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to request that XXXX immediately reopen and correct a previously closed fraud investigation involving multiple accounts and loans opened in my name without my knowledge or consent. Im requesting that XXXX remove the fraudulent accounts and loans from my credit report. Im also requesting all credit bureaus remove the accounts from my credit report. 

I first became aware of this unauthorized activity on XX/XX/XXXX, when I saw several XXXX loans reported on my credit through the XXXX XXXX app. At that time, I discovered XXXX loans listed under my name : XXXX for {$8500.00}, XXXX for {$210.00}, and XXXX for XXXX XXXX of which I did not open or authorize. 

In addition to the loans reported on XXXX XXXX, I later discovered several additional unauthorized XXXX loans attached to the same fraudulent account : a loan for {$260.00}, another for {$220.00}, and another for {$150.00}. Some of these loans show partial payments made from accounts that do not belong to me, further confirming that someone else was actively using this account. 

I immediately disputed the accounts with XXXX, TransUnion and XXXX. 

After seeing these accounts, I attempted to investigate further. Using my drivers license and Affirms facial recognition verification, I was able to log into the account through the XXXX app. At this point I saw the contact phone number was my ex husbands and the email address I did not recognize, however the name and address were mine. Inside the account, I discovered that the {$13000.00} loan was used to pay for a XXXX rental where my ex-husband had been living since XX/XX/XXXX. When I confronted him with this information, he admitted that he opened the account and obtained the loans without my knowledge or consent. 

I have obtained both written and verbal confirmations from my ex husband. In text messages, he admitted he opened the account and that all charges and loans are solely his. He also contacted XXXX himself to report this and provided confirmation number XXXX. 

Per an XXXX representatives suggestion, I completed a three-way phone call with my ex-husband and an XXXX representative. During this call, my ex-husband directly confirmed that he opened the account and loans without my knowledge or consent, and that all charges and activity are entirely his responsibility. XXXX was fully informed of this during the call. 

I also filed a police report on XX/XX/XXXX, documenting this identity theft and unauthorized use of my personal information. This report further verifies that I did not open these accounts or authorize any of the activity. 

I immediately contacted XXXX by phone on XX/XX/XXXX and disputed the loans I knew about at the time from XXXX XXXX. On XX/XX/XXXX XXXX denied my dispute through email. On XX/XX/XXXX I disputed the entire account through email after I gained access to the account and saw all of the loans. On XX/XX/XXXX XXXX denied my dispute through email. On XX/XX/XXXX I submitted another dispute through email with screenshots of text message conversations with my ex husband where he states the account and loans were opened by him and I was not aware or authorized them. On XX/XX/XXXX XXXX denied my dispute through email. On XX/XX/XXXX I disputed the account again in writing and called XXXX on a XXXX way call with my ex husband who admitted to opening the account without my knowledge on Affirms recorded line. Later that day on XX/XX/XXXX XXXX denied my dispute through email. 


I disputed the account with TransUnion over the phone. TransUnion denied my dispute in writing on XX/XX/XXXX. 

I disputed the account with Equifax over the phone. Equifax denied my dispute in writing on XX/XX/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 explanation