Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Subject : Response to Fraud Block Request Denial File Number : XXXX Request for Immediate Reconsideration and Permanent Blocking of Fraudulent Tradelines Dear TransUnion Dispute Department , I am writing in response to your letter dated XX/XX/year>, regarding the denial of my fraud block request ( File Number : XXXX ). I appreciate your acknowledgment of the documentation submitted ; however, I respectfully disagree with your decision and am formally requesting that my fraud dispute be reconsidered and properly processed. 
Per your letter, TransUnion declined to block the U.S. Bankruptcy and XXXX XXXXXXXX XXXX XXXXXXXX XXXX accounts from my credit report, citing that the identity theft documentation submitted was either insufficient or lacking detail. I am now submitting a copy of my valid California State ID and will ensure that all personal identifying information, a signed identity theft statement, and full details of the fraudulent accounts are included. 

Specific Points for Clarification and Rebuttal : 1. U.S. Bankruptcy ( Amount : {$0.00} ) I have never filed for bankruptcy in my life. Furthermore, I have no debt, which legally disqualifies me from even being eligible to file bankruptcy. Most notably, I recently received a verbal confirmation from XXXX that no U.S. Bankruptcy record exists on my XXXX consumer disclosure report. 

This is critical because during a previous call, a TransUnion representative stated that the bankruptcy was verified using XXXX. That statement is now proven inaccurate. I will be receiving a hard copy of my XXXX report shortly to confirm this in writing, and I will forward it to TransUnion as further evidence that the bankruptcy account reporting on my credit file is entirely false, unverified, and not mine. 

XXXX. XXXX XXXX XXXX XXXX XXXX ( Amount : {$8000.00} ) This is a fraudulent collection account resulting from identity theft. Someone used my personal information to obtain an apartment in my name without my knowledge or consent. I have previously submitted documentation and am working to submit an updated ID theft affidavit, police report, and creditor information to further support this claim. 

Legal Grounds for My Request : Under the Fair Credit Reporting Act ( FCRA ) and related federal protections, I assert the following rights : 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Upon receiving proof of identity theft and proper identification, TransUnion is required to permanently block fraudulent information from appearing on the consumers credit report.

15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy TransUnion must follow reasonable procedures to ensure credit information is accurate. Continuing to report a bankruptcy that was never filed and a collection account tied to fraud violates this section.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct Reasonable Reinvestigation If a consumer disputes the accuracy of any item of information, the CRA must reinvestigate and promptly delete any item that can not be verified.

15 U.S.C. 1681n & 1681o Civil Liability for Willful or Negligent Noncompliance Failure to properly address and correct the reporting of fraudulent or unverified tradelines may subject TransUnion to statutory and punitive damages.

My Updated Request : 1. Permanently block the U.S. Bankruptcy and XXXX XXXX XXXX  XXXX XXXX accounts from my TransUnion credit file in accordance with 15 U.S.C. 1681c-2 2. Cease all further reporting or reinsertion of these items unless full legal validation and ownership can be provided 3. Provide a written response confirming the results of your reinvestigation and the blocking of the items listed 4. Ensure that any future reporting complies fully with FCRA and federal identity theft protections I take these matters seriously, and I expect TransUnion to honor my consumer rights by acting swiftly and in good faith to correct my credit file. I will be submitting the required documents once again, this time including additional supporting proof to leave no room for further rejection or delay. 

Thank you for your immediate attention. 

Sincerely, XXXX 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