Consumer complaint received 2025-11-20 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: UT

Complaint narrative:
I am a victim of identity theft and mixed-file errors, and TransUnion is failing to follow its legal obligations under FCRA 605B, 607 ( b ), 611, and 611 ( a ) ( 5 ) ( B ) regarding fraudulent accounts, reinsertion, and identity-theft documentation.

I have provided TransUnion with : FTC Identity Theft Report Police Report XXXX Fraud Determination Letter confirming the account is identity theft My government ID Proof of address Identity-theft affidavit Proof of residency during fraud dates Despite this, TransUnion refuses XXXX block fraudulent accounts, refuses to remove inaccurate information, continues to allow new fraudulent accounts to be added to my file, and refuses to provide an accurate explanation of verification. 



DETAILED EVIDENCE OF MISCONDUCT BY TRANSUNION 1. Supervisor XXXX XXXX Special Handling Department On the call with supervisor XXXX XXXX, he refused to block or remove identity-theft accounts even after I provided the XXXX XXXXaud Determination Letter confirming the account did not belong to me.

Instead, he demanded proof of payments, which is completely irrelevant and illegal to require in identity-theft cases. Identity theft victims are NEVER required to prove payment history. This is a direct violation of : FCRA 605B : Must block fraudulent information within 4 days FCRA 611 : Must conduct a reasonable investigation FCRA 607 ( b ) : Must maintain accuracy He refused to provide a pr
oper method of verification.

2. New fraudulent accounts being added in real time While I was on the phone with other bureaus, TransUnion added another fraudulent collection account to my file. This indicates a mixed-file problem and TransUnions failure to secure my personal identifying information. 

No identity-theft victim should have NEW fraud appearing while the old fraud is under investigation. 



XXXX. Reinsertion problems TransUnion has reinserted previously deleted accounts without providing : A notice of reinsertion A furnisher certification An explanation of new information Written notice within 5 business days This violates FCRA 611 ( a ) ( 5 ) ( B ).

A deleted account CAN NOT be reinserted unless all legal steps are followed.

TransUnion ignored these requirements.

4. Failure to provide the method of verification TransUnion repeatedly refused to explain : How the account was verified What documentation was used Whether they 
contacted the furnisher Whether they reviewed my identity-theft documentation Instead, they gave vague and contradictory statements.

This violates FCRA 611 ( a ) ( 6 ) ( B ).

5. Failure to follow 605B identity-theft procedures Even though I provided : FTC Identity Theft Report Police Report Identity theft affidavit Proof of identity Proof of address Fraud determination letter from XXXX TransUnion failed to : Open a formal fraud case Provide a fraud incident number Block fraudulent information within 4 days Apply a mixed-file suppression Stop allowing new fraud to appear This is a clear violation of FCRA 605B, which requires the bureau to block fraudulent information within 4 business days after receiving an identity-theft report. 

TransUnion has ignored this entirely.

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