Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : IDENTITY THEFT & DATA BREACH DISPUTE FORMAL DEMAND FOR DELETION, VALIDATION, AND ACCOUNT REMOVAL UNDER FCRA 605B & FDCPA 809 ( b ) Dear Credit Bureau Dispute Department, I am writing to formally notify you that I am the victim of identity theft and data breachrelated fraud, which has resulted in the unlawful use of my personally identifiable information ( PII ) and the creation and reporting of fraudulent accounts and inquiries.

This correspondence serves as a formal dispute, identity theft claim, and demand for full validation, deletion, and investigation pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, 1681i, 1681s-2, and 1681b Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Background and Breach Disclosure My personal dataincluding my name, Social Security number, and date of birthwas compromised as a result of one or more data breaches involving major financial institutions. Since that time, I have observed multiple fraudulent accounts and unauthorized inquiries appearing on my credit reports.

These items were not created, authorized, or approved by me. I did not open, apply for, or consent to any of these accounts or inquiries. Therefore, they represent identity theft, unlawful use of my personal data, and reporting of false information. 

FRAUDULENT ACCOUNTS REPORTED The following accounts, reported under XXXX XXXX XXXX, are unauthorized, fraudulent, and must be deleted immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$520.00} These accounts did not originate from any legitimate transaction with me. I have never received lawful notice of ownership, transfer, or collection activity that complies with FDCPA 809 ( b ).

I hereby demand that these accounts be : Permanently deleted from all credit files, Blocked from future reporting or reinsertion, and Included in your fraud and identity theft database under my name and SSN ( last 4 digits XXXX ). 

UNAUTHORIZED CREDIT INQUIRIES ( PERMISSIBLE PURPOSE VIOLATION ) The following entities have accessed my credit report without my consent and without a permissible purpose as defined by FCRA 604 ( 15 U.S.C. 1681b ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( duplicate inquiry ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these inquiries constitutes an unauthorized access and breach of my consumer privacy. I demand immediate deletion and removal of all such inquiries. 

Additionally, please provide documentation for each entity, including : The date, method, and purpose of the inquiry, The application or request bearing my signature, and The identity of the individual or agent who authorized the inquiry. 

If such proof can not be provided, these inquiries must be permanently deleted and recorded as unauthorized access violations. 

DEMAND FOR DOCUMENTATION AND VALIDATION For compliance with FCRA 611 ( a ) and FDCPA 809 ( b ), please require each furnisher or data provider ( including XXXX XXXX  and affiliated agencies ) to supply the following within 30 days : Original signed contracts, applications, or agreements proving my consent to any account listed. 

Full itemized account records including dates of charges, credits, payments, and interest calculations. 

Proof of ownership/assignment of debt, showing the chain of custody from the original creditor to XXXX XXXX or any collector. 

State business license and collection authority documentation for any debt collector reporting in Virginia, as required by law.

Date of first delinquency and original creditor information per FCRA 623 ( a ) ( 5 ).

Method of verification, including the name, date, and contact information of the furnisher used to verify the disputed information.

If such documentation can not be produced, federal law requires that these items be deleted and blocked from further reporting.

CONSUMER RIGHTS UNDER FCRA 605B ( Identity Theft Victim Rights ) Under FCRA 605B, when a consumer identifies fraudulent information resulting from identity theft, the credit bureau must : Block the information within four business days of receiving sufficient proof, Cease the reporting of that information, and Notify the furnisher of the fraudulent nature of the account.

Please consider this notice as sufficient proof of identity theft. Upon request, I can provide : A copy of my government-issued identification, A signed identity theft affidavit, and Any related police or FTC Identity Theft Report documentation.

LEGAL WARNING AND NOTICE OF LIABILITY If any bureau or furnisher : Re-inserts deleted data without proper certification ( FCRA 611 ( a ) ( 5 ) ( B ) ), Fails to reinvestigate properly ( FCRA 611 ( a ) ( 1 ) ), or Reports unverifiable, fraudulent, or inaccurate information ( FCRA 623 ( a ) ), such action constitutes willful noncompliance and subjects the violator to civil liability, damages, and attorneys fees under 15 U.S.C. 1681n1681o.

Failure to comply within the required timeframe will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Virginia Attorney General, and Potential civil action for statutory, actual, and punitive damages.

Requested Action Summary Conduct a full reinvestigation of all disputed accounts and inquiries.

Permanently delete all fraudulent XXXX XXXX entries. 

Remove and block all unauthorized inquiries. 

Provide written results and verification documentation within 30 days. 

Apply fraud alert and identity theft block protections to my credit file. 

Thank you for your immediate cooperation and compliance with federal law. 
Please send all responses and confirmations in writing to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX

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