Consumer complaint received 2025-07-05 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:
Demand for Permanent Removal of Fraudulent XXXX XXXX XXXX Loan Due to Identity Theft To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent loan account reported by XXXX XXXX XXXX that resulted from identity theft. I have no connection to this account it was not opened or authorized by me. Despite multiple disputes and submission of identity theft documentation, this account continues to appear on my credit report and has not been permanently removed. 

- A loan account reported by XXXX XXXX XXXX was fraudulently opened using my identity. 
- I am not responsible for this account and have never authorized such a financial transaction. 
- I have submitted several disputes to both XXXX XXXX XXXX and the credit reporting agencies, along with full documentation including identity theft reports.

- Despite these efforts, the fraudulent account remains on my credit file, causing significant harm to my creditworthiness, security, and personal reputation.

Under the FCRA and its implementing regulations, I am entitled to the immediate and permanent removal of fraudulent information caused by identity theft. The continued reporting of this loan violates the following provisions : - 15 U.S.C. 1681c-2 ( FCRA 605B ) : Credit bureaus must block information resulting from identity theft within four business days of receiving : - Proof of identity - An identity theft report ( e.g., police report or FTC affidavit ) - A description of the fraudulent information - A statement of non-involvement - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of any information disputed by the consumer within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates that any information that can not be verified must be promptly deleted.

- 15 U.S.C. 1681e ( b ) : Obligates credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of information.

- 12 CFR 1022.120129 ( Regulation V ) : Lays out specific protections for victims of identity theft, including credit file blocking and notification protocols. 
XXXX XXXX XXXX and the credit reporting agency/agencies are in clear violation of these statutes and continue to inflict harm by reporting an account that does not belong to me.

Supporting Documentation : Attached are : - A copy of my credit report showing the fraudulent XXXX XXXX XXXX account.

- My FTC Identity Theft Affidavit and/or police report.

- Prior dispute letters and responses from XXXX XXXX XXXX and the credit bureaus.

- Valid identification and proof of current address.

Requested Action : XXXX XXXX XXXX XXXX remove this loan permanently off of my consumer credit report Sincerely, XXXX XXXX XX/XX/year> XXXX last 4 of SSN

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