Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is an explicit and cumulative follow-up to CFPB Complaint ID XXXX. This notice fully preserves all prior demands, legal assertions, and reservations of rightsnow expanded to include quantified damages, attorneys fees, mental and emotional distress, statutory penalties, and all compounding violations, including aggravated disinformation. This submission is strictly additive : nothing has been removed or altered from previous correspondence.

1. Willful and Ongoing Statutory Violations You have committed continuing, willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, 1681i, 1681s-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) in repeatedly re-reporting, failing to block, and not fully investigating the
fraudulent, disputed XXXX XXXX account.

Your actions constitute separate violations for each month and each instance, over a period of not less than two years.

2. On-Demand : Full Validation and Proof of Claim The ongoing demand for production of the original wet-ink signed promissory note, allonges, full chain of assignment, identity disclosure, and all supporting documents remains in full force and unchanged.

No copies, summaries, or affidavits substitute for authentic, original evidence.

3. Fraud Allegation and Duty to Investigate You are legally required, upon notification of fraud, to permanently block the disputed tradeline and prevent any further reporting or dissemination until original, written validation is produced, as mandated by law.

Ongoing uncorrected reporting, especially after prior removal, is considered aggravated willful noncompliance.

4. Disinformation and Aggravated Violations Any incomplete, misleading, or inaccurate reporting during this ongoing dispute and investigation constitutes a further aggravated statutory violation and will be reported as such to the CFPB, FTC, and state authorities.

Dissemination of disputed or unresolved account status to third parties constitutes compounding injury and exposure to additional regulatory and civil penalties.

5. Reservation of Rights and Final Opportunity to Cure All previously asserted claims, damages, statutory, and punitive remedies remain fully reserved and unchanged.

This submission supplements, not replaces, prior filings ; nothing asserted earlier is withdrawn.

You have ten ( 10 ) business days to provide written confirmation of permanent blocking/removal, full and original validation as previously demanded, and an accounting of all actions taken to correct prior and current errors.

Failure to cure, or dissemination of disinformation, will prompt escalation via a new CFPB complaint referencing XXXX, and further reporting to the FTC and North Carolina Attorney General, as well as commencement of legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief