Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Second Notice of Dispute and Demand for Immediate Deletion of Erroneous Name Variations, Outdated/Undeliverable Addresses, and Phone Numbers ( File Number : XXXX ) To Whom It May Concern, This is my SECOND FORMAL DEMAND pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the continued presence of inaccurate and erroneous personal demographic information in my TRANSUNION credit report ( File # : XXXX, issued XX/XX/XXXX ). Despite my previous dispute dated XX/XX/XXXX, TRANSUNION has failed to correct or delete the erroneous name variations, outdated/undeliverable addresses, and inaccurate phone numbers as required by law. I DEMAND the IMMEDIATE DELETION of all incorrect personal demographic information from my credit file. Your persistent failure to comply within the 30-day statutory timeframe constitutes willful noncompliance, and I will pursue all legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and damages for violations of the FCRA. 

The following items, previously disputed, remain in my credit report and must be DELETED IMMEDIATELY : Erroneous Name Variations : The report lists " XXXX XXXX '' as variations of my name ( noted in TransUnion file # XXXX, issued XX/XX/XXXX, and related documents ). My sole legal name is XXXX XXXX. Any other name variations are inaccurate, unauthorized, and irrelevant to my credit profile and must be DELETED. 
Outdated/Undeliverable Addresses : The report lists " XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( noted in TransUnion file # XXXX, issued XX/XX/XXXX ) as addresses. The address " XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX '' is incorrect and has never been associated with me. My sole valid address is XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses, including any former or erroneous addresses, must be DELETED. 
Inaccurate Phone Numbers : The report lists " XXXX XXXX XXXX XXXXXXXX, '' XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXand multiple redundant listings of " XXXX XXXX XXXX XXXX '' and XXXX XXXX XXXX XXXXXXXX ( noted in TransUnion file XXXX XXXX, issued XX/XX/XXXX ). These phone numbers are outdated, redundant, or not associated with me. All phone numbers not currently associated with me must be DELETED from my credit file. 

TRANSUNIONs failure to remove these erroneous personal demographics after my initial dispute on XX/XX/XXXX, is a direct violation of the FCRAs requirement to conduct a reasonable investigation and delete unverifiable information. I have provided sufficient documentation, including my drivers license, Social Security Number XXXX XXXX XXXX, and a utility bill confirming my current address at XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX to verify my identity and legal demographics. Your continued reporting of these inaccuracies is unacceptable and harmful to my creditworthiness. 

I DEMAND : 1. Immediate deletion of all erroneous name variations, outdated/undeliverable addresses, and inaccurate phone numbers listed above. 
2. Written confirmation of all corrections, including an updated credit report reflecting these deletions, sent to my address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. Compliance within 30 days from receipt of this notice, as mandated by the FCRA. 

Be warned : TRANSUNIONs refusal to correct these errors will be considered willful noncompliance, subjecting your organization to legal action, including but not limited to compensatory and punitive damages. I have already notified the CFPB of your initial failure to act, and I will escalate this matter further if necessary. Enclosed ( again ) are copies of my drivers license, SSN, and a XXXX & XXXX utility bill to confirm my identity and legal demographics. 

Govern yourself accordingly. 

Sincerely, BY : XXXX, XXXX FOR : XXXX XXXXPrincipal WITHOUT RECOURSE Enclosures : Drivers License, SSN, XXXX & XXXX Utility Bill CC : CFPB

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