Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13964212
Complaint Overview
Complaint ID: 13964212
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: Texas
ZIP Code: 76548
Date Received: 2025-06-08T12:00:00-05:00
Date Sent to Company: 2025-06-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Subject : Urgent Identity Theft Dispute Immediate Removal of Fraudulent Accounts Dear [ Experian / Equifax / TransUnion ], I am contacting you to file a formal identity theft complaint and to request the immediate removal of fraudulent accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ). While reviewing my credit report in preparation to refinance my vehicle, I discovered multiple accounts that I did not authorize, apply for, or open. Upon contacting the companies involved, I was further advised that the accounts were indeed linked to charges or activities I never approved. To be clear, I am not someone unfamiliar to you or the credit system my past credit history is consistent and strong, and it will show no prior patterns of fraudulent or suspicious activity. I am a responsible borrower and consumer, and these fraudulent entries are entirely inconsistent with my record. This situation is not a dispute based on unfamiliarity but a direct result of identity theft. Here are the fraudulent accounts that must be removed immediately : XXXXXXXX XXXX XXXX ( XXXX ) Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} ( Annual fee account never authorized by me ) XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Amount : {$0.00} To support my dispute, I have attached : A copy of my FTC Identity Theft Report ( Report Number : XXXX ) A copy of my drivers license for identity verification Proof of my current address Under penalty of perjury, I certify that the information provided is true and correct to the best of my knowledge. Per your obligations under the FCRA, specifically 15 U.S.C. 1681c-2, you must block and permanently remove fraudulent information from a consumers credit file once a valid identity theft claim is submitted. I respectfully demand : Immediate removal of the above-listed accounts Written confirmation that these fraudulent accounts have been deleted Updated copies of my credit report reflecting these corrections Please handle this matter with urgency and give it the serious attention it warrants. I have maintained a credible and strong credit profile, and I expect this unauthorized damage to be corrected promptly. Sincerely, XXXX XXXX XXXX FTC Identity Theft Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Email : XXXX XXXX
Frequently Asked Questions
What is Complaint #13964212 about?
Complaint #13964212 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 2025-06-08T12:00:00-05:00.
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.