Consumer complaint received 2025-07-29 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: AR

Complaint narrative:
Update : As of today XX/XX/XXXXXXXX  I would like to make an update from my previously filed complaint. I still have no access to submit a new dispute using Transunion online services, I have been in contact with with their FVAD ( FRAUD VICTIMS ASSISTANCE DEPARTMENT ), 5 times with no resolution with resubmitting my disputes. I however, was able to speak with an agent today, who was able to submit them over the phone. The XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX  accoint # XXXX, are under FCRA 605 for identity theft, and should be blocked and suppressed from my credit report. These accounts were opened in XXXX TN, using a XXXX TN address. I do not live in that city or state. I live in Arkansas. I am uploading my unexpired drivers license, and my expired drivers license, to show Ive been living in XXXX XXXX, Arkansas at the same address for over 20 years. I dont even have a Tennessee license. I am also uploading my identity theft reports from the FTC, as well as my bank statements showing again the same address of XXXX XXXX Arkansas. The referenced accounts above, were all opened fraudulently using my information. This notice also serves as my FCRA 605-B formal request and handwritten statement for the above referenced accounts. A guy was arrested by the name of XXXX XXXX, trying to open an account with another lender using my information. Additionally, he had several other individuals information in his backpack. I presume, he was also using there information as well. I am also uploading the article showing the individual as well. Lastly, the XXXX XXXX  XXXX account XXXX, shows a late payment in XXXX of XXXX, which is still incorrect. I spoke to XXXX XXXX XXXX today at XXXX, and spoke with XXXX the customer service manager, he confirmed they cleared the late payment, and reported it to all 3 credit bureaus, yet you all have still not updated it promptly within my credit report. Feel free to contact them at any number you have, to confirm that information, any representative can confirm that, and they are also willing to fax it directly over from their location. Additionally, the account XXXX  Account # XXXX, shows in the account status as 30 days late, but my payment history shows Ive paid it on time. The account was opened XX/XX/XXXX, of XXXX, and closed XX/XX/XXXX, of XXXX. The account was opened for 2 weeks and paid off. So why does the account status report 30 days late. With no late payment showing in the Payment history? I tried to dispute that over the phone, but the young lady said it wasnt giving her the option, but she also saw that as well, and couldnt make any sense of it. The account was only open for 2 weeks and immediately paid off. 





Previous report : As of XXXX XX/XX/XXXXXXXX  after numerous attempts, phone calls, messages through the chat, Transunion has failed to correct errors that are causing my credit score and credit worthiness to future creditors, severe damages. I submitted a FCRA 605B request to have the following accounts blocked from my credit report : XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. Transunion completed its results on XX/XX/XXXX. And said, that it verified each of those accounts being accurate. Under FCRA, each furnisher that provides inaccurate information, the FCRA entitles the consumer to {$1000.00} per violation. Each of the above referenced accounts, were opened in XXXX, TN to an address of XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX, which has been proven to be an address related to fraud. Several accounts were opened in my name as well as others, and that address was used. Please note, I live in Arkansas. My drivers license shows Arkansas, My bank statements, and utility bills shows Arkansas, which is were Ive been living for the past 20 years, with documented proof. Transunion has violated my rights under FCRA, and allowed the furnishers to provide information that is contradictory to the information Ive provided showing i never lived in XXXX TN. In Addition, my XXXX account # XXXX, I disputed the information showing I was late in XXXX of XXXX And again, Transunion verified it as accurate. I called XXXX myself and they dont show any late payments

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