Consumer complaint received 2025-06-12 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:
* * COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU * * * * RE : TransUnion 's Violation of Fair Credit Reporting Act Sections XXXX, XXXX, and Additional FCRA Provisions * * Dear CFPB, I am filing this complaint against TransUnion for their continued violations of the Fair Credit Reporting Act ( FCRA ) regarding their refusal to block a fraudulent collection account despite my provision of all required documentation under FCRA Sections XXXX and XXXX. 

* * DOCUMENTATION PROVIDED * * I have provided TransUnion with complete documentation as required under FCRA XXXX XXXX, including : - Valid government-issued identification - Social Security card - Utility bill for identity verification - FTC Identity Theft Affidavit - Official police report from XXXX documenting XXXX theft XXXX. XXXX XXXX XXXX XXXX XXXX- {$8000.00} I made specific corrections to my FTC Affidavit form per TransUnion 's initial instructions, yet they continue to refuse blocking this fraudulent account. 

* * FCRA XXXX XXXX VIOLATIONS * * Under FCRA XXXX XXXX, TransUnion is required to block fraudulent information within XXXX business days of receiving proper documentation and an identity theft report. They have failed to comply despite having all required materials, violating their statutory obligations. 

* * FCRA XXXX XXXX VIOLATIONS * * TransUnion has also violated Section XXXX by failing to properly process my fraud alert request and continuing to report information I have identified as fraudulent. 

* * SINGLE BUREAU REPORTING VIOLATION * * This fraudulent collection account appears ONLY on my TransUnion credit report and is not reported by XXXX or XXXX. Under FCRA Section XXXX ( b ), this creates a significant red flag indicating potential inaccuracy. When only XXXX credit bureau reports an account while others do not, this suggests the information may be unreliable or fraudulent, particularly when the consumer has disputed it as identity theft. 

* * PERMISSIBLE PURPOSE VIOLATIONS * * TransUnion is continuing to furnish this disputed fraudulent information to third parties without a permissible purpose under FCRA XXXX XXXX. By maintaining fraudulent information on my credit report after proper identity theft documentation, they are facilitating unauthorized access to inaccurate information. 

* * FAILURE TO VALIDATE FRAUDULENT DEBT * * Under FCRA XXXX XXXX, TransUnion has a duty to conduct reasonable investigations of disputed information. They have provided NO proof that this debt belongs to me, yet continue reporting it. The investigation result shown states " VERIFIED AS ACCURATE '' without any supporting documentation or validation that I am the actual debtor. 

* * FCRA XXXX XXXX VIOLATIONS * * TransUnion is violating Section XXXX by continuing to report information they can not reasonably verify as accurate, especially given the identity theft documentation provided. 

TransUnion 's actions demonstrate a pattern of FCRA non-compliance that damages consumers and undermines the integrity of credit reporting. I request the CFPB investigate these violations and compel TransUnion to immediately block this fraudulent account as required by federal law. 

* * Requested Relief : * * XXXX. Immediate blocking of the fraudulent collection account XXXX. Investigation of TransUnion 's FCRA compliance procedures XXXX. Appropriate penalties for FCRA violations XXXX. Correction of my credit report Thank you for your attention to this matter. 

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 explanation