Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13580483
Complaint Overview
Complaint ID: 13580483
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: Ohio
ZIP Code: 441XX
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XXXX Subject : Reinserted Fraudulent Account Formal Dispute and Immediate Deletion Demand Violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681s-2 ( a ) ( 1 ) ( A ), 1681b, 1681c, and 605B Dear [ Experian / Equifax / TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute and demand the permanent removal of a fraudulent and reinserted account that violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). This account was previously deleted due to identity theft, supported by my sworn FTC Identity Theft Report ( # XXXX ), and has now wrongfully reappeared. Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX XXXX Original Creditor : [ XXXXXXXX XXXX ] Reported Open Date : XX/XX/XXXX Reported Activity : One month of payment history XXXX Balance : {$6700.00} Status : In Collection ( reappeared after deletion ) This account is a direct result of identity theft. As shown in my FTC Identity Theft Report, I did not authorize this account, I have never had any dealings with XXXX XXXX XXXX, and I did not open any account with the alleged original creditor. The timeline of reported activity is also inconsistent and misleading : it falsely reflects the account being opened in XXXX but only reports one month of payment history in XXXX, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which requires furnishers to report accurate and complete data. Violations : 1. Reinsertion Without Notice 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted accounts must provide written notice within five business days of reinsertion. I received no such notification. 2. Accuracy of Reporting 15 U.S.C. 1681s-2 ( a ) Furnishing incomplete or misleading data, such as false payment history and incorrect account dates, is prohibited. 3. Identity Theft Protections 15 U.S.C. 1681c-2 ( Section 605B ) Once notified with proper documentation, credit bureaus and furnishers must block all fraudulent information from a consumers file. You have received : My FTC Identity Theft Report My sworn statement of fraud Identification of the fraudulent account A written declaration under penalty of perjury 4. Lack of Permissible Purpose 15 U.S.C. 1681b No valid reason exists to report an account known to be fraudulent. 5. Obsolete/Misleading Reporting 15 U.S.C. 1681c Accounts with fabricated timelines or lacking original supporting documents must not be reported. DEMAND FOR IMMEDIATE ACTION : I hereby demand that you : Immediately delete the XXXX XXXX XXXX XXXX account from my credit file, and ensure it is blocked from reinsertion per Section 605B. Cease all further reporting of this account. Provide written confirmation of the accounts permanent deletion within 15 days of receipt of this notice. Explain in writing how and why this deleted fraudulent account was reinserted without proper notification. Failure to comply will result in legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). I am prepared to escalate this case with the CFPB, FTC, and Attorney General if this matter is not resolved immediately. Sincerely, XXXX XXXX FTC Report # XXXX Date of FTC Filing : XX/XX/XXXX XXXX Without Prejudice
Frequently Asked Questions
What is Complaint #13580483 about?
Complaint #13580483 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 2025-05-18T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.