Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15247628
Complaint Overview
Complaint ID: 15247628
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: California
ZIP Code: XXXXX
Date Received: 2025-08-12T12:00:00-05:00
Date Sent to Company: 2025-08-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXXXXXX To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute Fraudulent Accounts Resulting from Identity Theft XXXX XXXX XXXX XXXX ( {$1900.00} ) XXXX XXXXXXXX XXXX XXXX ( {$420.00} ) To Whom It May Concern, I am a confirmed victim of identity theft, with my personal information compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach. My sensitive information, including my name, Social Security number, and date of birth, was unlawfully accessed and has been used without my knowledge, consent, or authorization to open fraudulent credit accounts in my name. Specifically, I am disputing the following accounts that are currently appearing on my Experian, Equifax, and TransUnion credit reports : XXXX XXXX XXXX XXXX {$1900.00} ( fraudulent credit card account ) XXXX XXXX XXXX {$420.00} ( fraudulent personal loan ) I have never applied for, opened, authorized, or benefited from any account with XXXX XXXX XXXX XXXX. Likewise, I have never obtained a personal loan from XXXX XXXX XXXX. I have never given anyone written or verbal permission to open or apply for accounts with these companies on my behalf. These accounts are fraudulent, and their continued reporting constitutes a serious violation of my rights under federal law. Under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) consumer protection laws, you are required to immediately block and delete identity theft-related information once proper proof is provided. The following provisions specifically apply to my dispute : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking and permanent deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report. 15 U.S.C. 1681i Mandates reasonable reinvestigation of disputed information and deletion if unverifiable. 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in the reporting of consumer information. 15 U.S.C. 1681b Limits permissible purposes for furnishing a consumer report. 15 U.S.C. 1681n and 1681o Provides for liability for willful and negligent noncompliance. 15 U.S.C. 1681q Prohibits obtaining or using consumer information under false pretenses. FTC Identity Theft Rules ( 16 C.F.R. 603 ) Prohibits continued reporting of fraudulent accounts once identity theft is documented. 15 U.S.C. 45 ( a ) ( FTC Act ) Prohibits unfair or deceptive acts or practices in commerce. Enclosed with this letter are copies of my FTC Identity Theft Affidavit, a copy of my government-issued identification, proof of my current address, and supporting documentation showing that my personal information was compromised in the aforementioned data breaches. You are hereby formally demanded to : Permanently delete the XXXX XXXX XXXX XXXX ( {$1900.00} ) and XXXX XXXX XXXX ( {$420.00} ) accounts from all of my credit reports. Notify the furnishers of this deletion and block any future reporting of these accounts. Provide me with written confirmation of these deletions within 15 days. Failure to comply will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as potential legal action to recover statutory, actual, and punitive damages for your willful violations of the FCRA and other applicable laws. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15247628 about?
Complaint #15247628 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 2025-08-12T12:00:00-05:00.
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.