Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15197731
Complaint Overview
Complaint ID: 15197731
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: Credit inquiries on your report that you don't recognize
State: Virginia
ZIP Code: 23231
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am a victim of identity theft. I recently discovered that my personal information has been used without my authorization to open fraudulent accounts and apply for services, including IT related services and other financial and accounts that I did not initiate.Upon reviewing my credit reports, I found multiple unauthorized inquiries that I did not recognize. After further investigation, I confirmed that my personal information was exposed in both the XXXX data breach and the XXXX data breach. These incidents released critical data such as my name, Social Security number, and date of birth making me vulnerable to identity theft.To formally address this, I have : Filed an Identity Theft Report with the appropriate law enforcement agency, Notified the credit bureaus of the fraudulent activity, Requested that they block and remove all unauthorized information. Despite my efforts, the fraudulent accounts and inquiries remain on my credit report, negatively impacting my credit profile. Section 605B ( 15 U.S. Code 1681c2 ) Block of information resulting from identity theft : I have submitted a valid Identity Theft Report, and under this section, the credit reporting agencies are required to block fraudulent information within 4 business days of receiving my request and supporting documentation. Section 611 ( 15 U.S. Code 1681i ) Dispute procedures : I have disputed the inaccurate and unauthorized items on my credit reports. The credit bureaus must conduct a reasonable reinvestigation within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Section 602 ( 15 U.S. Code 1681 ) Congressional findings and statement of purpose : The FCRA was enacted to ensure fair and accurate credit reporting and to protect consumers from the misuse of personal information. The continued reporting of fraudulent information violates the spirit and intent of the law. Attachments : Identity Theft Report ( Filed with FTC ) Government-issued photo ID
Frequently Asked Questions
What is Complaint #15197731 about?
Complaint #15197731 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 2025-08-10T12:00:00-05:00.
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.