Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13419372
Complaint Overview
Complaint ID: 13419372
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: Information belongs to someone else
State: Texas
ZIP Code: 78586
Date Received: 2025-05-08T12:00:00-05:00
Date Sent to Company: 2025-05-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : URGENT Identity Theft Complaint and Dispute Filing Pursuant to FCRA - 605B, - 611, - 609 & FDCPA Dear Consumer Financial Protection Bureau Officer, I, XXXX XXXX XXXX, am submitting this formal and legally binding complaint against Equifax, Experian, and TransUnion, and the respective furnishers of information, for their ongoing failure to comply with federal laws regarding the fraudulent use of my identity and their refusal to appropriately investigate and REMOVE the inaccurate information from my credit file. Despite filing an FTC Identity Theft Report ( # XXXX ), submitting an identity theft affidavit, making formal complaints with the XXXX, and sending direct notices to all three credit reporting agencies, I continue to be burdened with UNAUTHORIZED accounts, FRAUDULENT hard inquiries, and collection items-all resulting from IDENTITY THEFT. LEGAL GROUNDS FOR DISPUTE Formal Identity Theft Complaint to CFPB Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I assert the following rights and demand full COMPLIANCE : 1. FCRA - 605B ( 15 U.S.C. - 1681c-2 ) : All consumer reporting agencies must BLOCK identity theft-related information within 4 business days of receiving appropriate proof. 2. FCRA - 611 ( 15 U.S.C. - 1681i ) : CRAs are required to complete REINVESTIGATION of disputed items within 30 days. 3. FCRA - 609 ( 15 U.S.C. - 1681g ) : I have a right to full DISCLOSURE of all information in my file, including the sources of each item. 4. FCRA - 1681s-2 ( a ) ( 1 ) : Furnishers are prohibited from reporting information they know or reasonably should know is inaccurate. 5. FCRA - 1681s-2 ( b ) : After being notified of a dispute, furnishers must INVESTIGATE, CORRECT, and notify CRAs. 6. FDCPA - 807 ( 15 U.S.C. - 1692e ) : Debt collectors must not use FALSE, DECEPTIVE, or MISLEADING representations in connection with the collection of any debt. 7. FCRA - 616 & - 617 ( 15 U.S.C. - 1681n & 1681o ) : Entities in violation are subject to CIVIL LIABILITY, actual and statutory damages, punitive damages, and attorney-s fees. FRAUDULENT ACCOUNTS AND INQUIRIES TO BE REMOVED The following were opened FRAUDULENTLY in my name : - XXXX XXXX XXXX - {$2500.00} - XXXX XXXX XXXX XXXX {$2500.00} and {$2600.00} - XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX - {$360.00}, {$570.00}, {$3000.00} - XXXX XXXX XXXX - {$740.00} XXXX XXXX - {$790.00} Fraudulent Credit Inquiries : Formal Identity Theft Complaint to CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SUPPORTING DOCUMENTATION ATTACHED - FTC Identity Theft Report # XXXX - Notarized Identity Theft Affidavit - XXXX Complaint Acknowledgement - XXXX Identity Theft Proof - Government-issued identification DEMAND FOR ACTION Pursuant to my rights, I DEMAND : 1. IMMEDIATE REMOVAL of the above FRAUDULENT accounts and inquiries from all credit reports. 2. PERMANENT BLOCKING of these items under FCRA - 605B. 3. WRITTEN CONFIRMATION from Equifax, Experian, and TransUnion of their actions within 30 days. 4. That you INTERVENE IMMEDIATELY under CFPB enforcement authority to ensure legal COMPLIANCE by these agencies. I am also sending a physical copy of this complaint and all supporting documentation by CERTIFIED MAIL to ensure receipt and traceability. I expect an URGENT and thorough response in writing, as continued inaction constitutes WILLFUL NONCOMPLIANCE. Failure to comply will result in LEGAL ACTION for willful and negligent noncompliance under FCRA - 616 and 617, and I reserve the right to pursue CIVIL DAMAGES in federal court. Formal Identity Theft Complaint to CFPB ( I, XXXX XXXX XXXX once again demand removal of fraudulent accounts to my consumer credit report. ) Underneath I provided the following ; XXXX Complaint FTC Identity Theft Report Texas Notarized Statement of Facts letter CFPB Identity Theft Dispute Letter XXXX proof of identity theft DATA BREACH My valid Social Security. My valid Passport. My Valid Driver License. Pay Stub confirming my Physical Address where I live. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #13419372 about?
Complaint #13419372 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 2025-05-08T12:00:00-05:00.
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.