Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12966097
Complaint Overview
Complaint ID: 12966097
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 91730
Date Received: 2025-04-13T12:00:00-05:00
Date Sent to Company: 2025-04-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. Details of the Dispute : I am disputing the following accounts listed on my credit report, which I believe are the result of identity theft XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Closed. {$420.00} written off. Balance : {$0.00} XXXX. XXXX XXXX Date Opened : XX/XX/XXXX Status : Open. {$1000.00} past due as of XX/XX/XXXX. Balance : {$41000.00} XXXX. XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid in settlement. {$6600.00} written off. Balance : Not reported 4. XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid. Closed. {$640.00} written off. 5. XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$230.00} 6. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid. Closed. 7. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$420.00} past due as of XX/XX/XXXX. Balance : {$420.00} 8. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Open/Collection Balance : {$1200.00} XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid. Closed. These accounts and collections are not mine, and I have never authorized, opened, or benefited from them. I am the victim of identity theft and have reason to believe my personal information was used fraudulently to open these accounts. Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete the above-mentioned fraudulent accounts from my report. Under FCRA 611 ( 15 U.S.C. 1681i ), I am also requesting full debt verification. I demand that the credit bureaus and the original furnishers provide valid proof including any signed applications, contracts, or identification that demonstrate I personally authorized these accounts. If such verification can not be provided, the accounts must be permanently removed from my credit file. Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any of these accounts are falsely verified as valid despite my claim of identity theft, I reserve the right to pursue statutory damages of {$1000.00} per violation. Supporting Documentation : I have included the following with my claim : A copy of my government-issued photo ID Proof of my current address ( e.g. utility bill or bank statement ) A police report and/or FTC Identity Theft Affidavit confirming I am a victim of identity theft Requested Actions : I am formally requesting the following actions : 1. Immediate blocking and permanent removal of all fraudulent accounts and inquiries. 2. Debt verification for each disputed account with documented evidence. 3. Written confirmation that these accounts have been deleted. 4. Confirmation that furnishers have been notified and told to stop reporting unverifiable information. 5. A new, updated copy of my credit report with the corrections reflected.
Frequently Asked Questions
What is Complaint #12966097 about?
Complaint #12966097 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-04-13T12:00:00-05:00.
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.