Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11271177
Complaint Overview
Complaint ID: 11271177
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: Arizona
ZIP Code: XXXXX
Date Received: 2024-12-24T12:00:00-05:00
Date Sent to Company: 2024-12-24T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ). I want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. I will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.
Frequently Asked Questions
What is Complaint #11271177 about?
Complaint #11271177 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-24T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.