Consumer complaint received 2026-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint as a follow-up regarding XXXX XXXX XXXX XXXX and their continued reporting of an account that has not been properly verified. XXXX XXXX response was The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of XXXX XXXX. The complaint was assigned a case number of XXXX. We received XXXX XXXX claim of identity theft. XXXX XXXX completed an investigation of the claim and found it to be unsupported. Our records show that on XXXX XX/XX/XXXX, XXXX XXXX established the XXXX XXXX credit card account ending in XXXX. On XXXX XX/XX/XXXX, the account was closed in accordance with the XXXX XXXX XXXX XXXX Credit Card Agreement and Disclosure, to which XXXX XXXX agreed, and which may be viewed at XXXX. This is a valid debt with an outstanding balance owed, and XXXX XXXX remains responsible for the repayment of the account. On XXXX XX/XX/XXXX, pursuant to XXXX XXXX request, documentary information regarding their account was sent to them. A copy of the information is attached for XXXX XXXX reference. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX XXXX XXXX credit card account. We will not request the removal of valid data from XXXX XXXX credit file. We have properly responded to all prior disputes received regarding XXXX XXXX XXXX XXXX credit card account. Should XXXX XXXX have any questions, they may call us anytime toll-free at XXXX ( XXXX ). I have disputed this account multiple times over a period exceeding six months, including a prior complaint through the Consumer Financial Protection Bureau. XXXX XXXX claims the account is valid, but they have failed to provide any lawful verification as required under the Fair Credit Reporting Act. They have not provided a signed contract or application bearing my signature, nor have they provided any proof that my Social Security Number is tied to this account. They also failed to provide any authentication records such as IP logs or device verification, and they did not provide a Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ). Instead, they only provided billing statements and a generic agreement, which do not constitute a reasonable investigation under federal law. The address associated with this account is not mine. I am currently experiencing housing instability, and my only valid mailing address is XXXX XXXX XXXX XXXXXXXX, CA XXXX. Despite informing XXXX XXXX of this discrepancy, they continue to report inaccurate information. Additionally, when I contact XXXX XXXX using the phone number they provided, their representatives fail or refuse to provide any meaningful verification details. This further demonstrates that a proper investigation was not conducted. XXXX XXXX actions constitute failure to conduct a reasonable investigation, failure to ensure maximum possible accuracy, failure to properly investigate identity theft claims, and improper reporting of unverified information.

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