Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
This is a formal identity theft dispute filed under the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2, 1681e ( b ), 1681i, and 1681b ( f ). I am the victim of identity theft and am submitting new, legally sufficient documentation that supports my request for immediate blocking and deletion of specific fraudulent accounts. This is not a frivolous or duplicative dispute. It is supported by recent documentary evidence from XXXX ( dated XX/XX/XXXX ) and XXXX ( dated XX/XX/XXXX ), which confirms that these disputed accounts do not appear in either of their consumer reporting systemsvalidating that they are not legitimate tradelines and must be treated as the result of identity theft. 

I have already submitted a valid FTC Identity Theft Report ( Ref. No. XXXX ), a government-issued photo ID, proof of address, and detailed written statements. These materials satisfy the legal requirements for a full identity theft block under FCRA 1681c-2 ( c ), and TransUnion is required by law to block these tradelines within four ( 4 ) business days of receiving this notice.

The following fraudulent and unauthorized tradelines must be blocked and permanently deleted : XXXX XXXX XXXX New Collection Reported : XX/XX/XXXX Balance : {$1400.00} Opened : XX/XX/XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Remarks : Account information disputed by consumer Status : Open, Derogatory XXXX XXXX XXXX Account ending in XXXX XXXXXXXX, Balance : {$3300.00} Charged off despite full insurance settlement of a totaled vehicle. No valid contract or post-settlement agreement exists. No IRS Form 1099-C was issued, and this account shows a sudden charge-off without delinquency historyviolating FCRA 1681e ( b ), 1681c ( a ) ( 4 ), and 1681b ( f ). 

XXXX XXXX XXXX XXXX  Account ending in XXXX XXXXXXXX, XXXX : {$1200.00} Charged-off without my knowledge or consent. No supporting contract. No IRS Form 1099-C issued. 

XXXX XXXX Account ending in XXXX XXXXXXXX, XXXX : {$1400.00} Charged-off account I never opened. No validation or tax reporting issued. 

XXXX XXXX XXXX Account ending in XXXX XXXXXXXX, XXXX : {$1000.00} Unauthorized collection account with no consumer consent or valid supporting documentation. 

These accounts do not appear in either my XXXX Full File Disclosure or XXXX Credit Report, confirming that they were not opened using lawful or verifiable consumer data. Their omission is powerful third-party evidence that supports my sworn FTC Identity Theft Report. 

In accordance with FCRA and IRS statutes, these tradelines also represent additional violations : FCRA 1681e ( b ) : Inaccurate and misleading reporting FCRA 1681c ( a ) ( 4 ) : Improper re-aging via continued updates FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to remove unverifiable data FCRA 1681c-2 ( c ) : Failure to block identity theft accounts within 4 business days IRS 26 U.S. Code 6050P : No Form 1099-C issued for discharged debts over {$600.00} IMPORTANT CLARIFICATION : I maintain a separate and legitimate * XXXX XXXX XXXX account XXXX XXXX XXXX. This account is not part of this dispute and must not be investigated, altered, or flagged in any way. Any attempt to dispute or interfere with this undisputed positive account would violate FCRA 1681i ( a ) ( 1 ) and will be treated as unauthorized interference.

Requested Resolution : Block and delete all fraudulent accounts listed above within 4 business days, per FCRA 1681c-2 ( c ). 

Provide written confirmation of the deletion and assurance that no account will be reinserted without full compliance with 1681c-2 ( d ). 

Preserve and maintain my legitimate XXXX XXXX XXXX account ( * XXXX ) without modification. 

Send me a corrected copy of my credit file. 

If these demands are not fully honored, I will escalate the matter to the CFPB, FTC, IRS XXXX XXXX, and pursue all available legal remedies under FCRA 1681n and 1681o, including statutory and punitive damages for willful noncompliance.

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