Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : Unauthorized Inquiries, Violations of the Fair Credit Reporting Act ( FCRA ), and FOIA Request Dear TransUnion, I am writing to formally dispute and demand immediate action on several unauthorized credit inquiries and fraudulent accounts listed in my recent TransUnion credit report dated XX/XX/XXXX. Upon thorough review, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), other relevant statutes, and aggravated identity theft, which I will detail below. 


Violations and Compensation Demands 1. Violations of FCRA : Section 604 ( 15 U.S.C. 1681b ) : This section restricts the circumstances under which a consumer reporting agency can provide a consumer report. The listed inquiries were made without my authorization, which constitutes a violation of this section. 

Section 616 ( 15 U.S.C. 1681n ( a ) ) : For each willful violation, I am entitled to statutory damages of up to {$1000.00}. As each unauthorized inquiry represents a separate violation, I demand compensation of {$1000.00} per inquiry. 

Given the multiple unauthorized inquiries listed above, the total compensation I demand is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} TRANSUNION CONSUMER  INTE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION INTERACTIVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for unauthorized inquiries. 


Fraudulent Accounts Additionally, the following accounts have been reported without my authorization, constituting identity theft and aggravated theft under 18 U.S.C. 1028A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX Pay Status : In Collection Additional Compensation for Aggravated Identity Theft Given the severity of the fraudulent accounts and the violation of 18 U.S.C . 1028A for aggravated identity theft, I demand further compensation for the distress and damages incurred. I demand {$5000.00} per account for the fraudulent accounts. 

Total Compensation Demand In summary, the total compensation I am demanding is as follows : Unauthorized Inquiries : {$160000.00} Fraudulent Accounts : {$25000.00} The grand total is {$180000.00}. 

Additional Compensation for Aggravated Identity Theft Given the severity of the fraudulent accounts and the violation of 18 U.S.C. 1028A for aggravated identity theft, I demand further compensation for the distress and damages incurred. I demand {$5000.00} per account for the fraudulent accounts. 

Total Compensation Demand In summary, the total compensation I am demanding is as follows : Unauthorized Inquiries : {$160000.00} Fraudulent Accounts : {$25000.00} The grand total is {$180000.00}. 

Legal Actions If these issues are not resolved promptly and I am not compensated accordingly, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Illinois Attorney General, and other relevant authorities. I will also seek further legal action, including pursuing damages under 15 U.S.C. 1681b, 15 U.S.C. 1681n for willful noncompliance and 18 U.S.C. 1028A for aggravated identity theft. 

FOIA Request Furthermore, I am requesting, under the Freedom of Information Act ( FOIA ), all permissible purpose documents for any accounts listed on my report. If you can not show me the permissible purpose in a written letter coming from me, as stated in 15 U.S.C. 1681b, then you will have to compensate me accordingly. I have had previous accounts deleted due to similar issues, and I will not hesitate to take legal action again for these violations. 

I expect a response within 30 days of receipt of this letter. If I do not receive a satisfactory response, I will be compelled to take legal action to protect my rights and seek appropriate remedies. 

Sincerely, XXXX XXXX XXXX Cases Supporting My Claims 1XXXX XXXX XXXX TransUnion XXXX, XXXX : This case involved TransUnions failure to comply with the FCRA, resulting in a significant fine and requirements to change their practices. 
XXXX. XXXX v. TransUnion, XXXX : A consumer won a case against TransUnion for willful violations of the FCRA, resulting in statutory damages. 
XXXX. XXXX XXXX TransUnion LLC, XXXX : The Supreme Court ruled that TransUnion violated the FCRA by failing to ensure accurate credit reports, leading to a substantial award for the plaintiffs. 

XXXX. FTC and CFPB Settlement ( XXXX ) : TransUnion, along with its subsidiary, was required to pay {$15.00} million to settle charges of failing to ensure the accuracy of tenant screening reports. This violation of the Fair Credit Reporting Act ( FCRA ) led to inaccurate eviction records being reported, which impacted consumers ability to secure housing. 
2. Data Breach Settlement ( XXXX ) : TransUnion disclosed a data breach that exposed the personal and financial information of its customers, including names, Social Security Numbers, and financial account numbers. This breach led to significant concerns about identity theft and fraud. TransUnion provided instructions to affected individuals on how to protect themselves from further identity theft or fraud.