Consumer complaint received 2025-04-28 00:00:00
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.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion LLC Fraud Victim Assistance Department Consumer Fraud Division XXXX. XXXX XXXX XXXX, GA XXXX File Number : XXXX Date : XX/XX/XXXX -- - Subject : Formal Dispute & Request for Deletion of Fraudulent Information Pursuant to the Fair Credit Reporting Act ( FCRA ) and Identity Theft Protections To Whom It May Concern, I XXXX XXXX am writing to formally dispute multiple unauthorized entries currently appearing on my TransUnion credit report. I am a documented victim of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting the immediate deletion and permanent blocking of all fraudulent accounts, inquiries, and collection entries that I did not initiate, authorize, or benefit from. 


-- - Fraudulent Accounts : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} -- - Fraudulent Inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX These accounts and inquiries were opened and submitted without my consent or knowledge. No documentation has been provided by the furnishers to establish a valid debtor-creditor relationship or an enforceable chain of title, as required by Spears v. Brennan , 745 N.E.2d 862 ( Ind. Ct. App. 2001 ).

-- - Fraudulent Collection Account : XXXX XXXX  Original Creditor : XXXX Balance : {$290.00} Date Reported : XX/XX/XXXX This collection is directly tied to the same identity theft incident. Under 15 U.S.C. 1681c-2 ( b ), I have the right to request its removal, and under 15 U.S.C. 1681g ( e ), I request any documentation you have received from the furnisher regarding its legitimacy. 


-- - Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without permissible purpose in violation of 15 U.S.C. 1681b. As held in Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), credit reporting agencies must ensure the accuracy and legitimacy of data published in consumer reports.

-- - Legal Grounds for This Dispute : 15 U.S.C. 1681c-2 Right to block information resulting from identity theft 15 U.S.C. 1681g ( e ) Right to receive documentation supporting disputed information 18 U.S.C. 1028 Federal criminal statute protecting identity theft victims -- - Supporting Documentation Enclosed : 1. Government-issued photo identification 2. Copy of Social Security card 3. Identity Theft Report filed with the Federal Trade Commission ( FTC ) 4. Complaint filed with the Consumer Financial Protection Bureau ( CFPB ) 5. Notarized personal statement affirming the facts of identity theft -- - Requested Actions : 1. Delete all above-referenced fraudulent accounts, inquiries, and collection entries from my TransUnion credit file ; 2. Block any future reporting of these items under 15 U.S.C. 1681c-2 ; 3. Provide written confirmation of all deletions and furnish an updated copy of my corrected credit report.

Failure to act may result in the initiation of legal remedies under 15 U.S.C. 1681n and 1681o, which allow for statutory damages, actual damages, attorney 's fees, and punitive damages in cases of willful or negligent noncompliance.

Thank you for your timely attention to this matter. I look forward to a full resolution and written confirmation within the 30-day statutory period pursuant to 15 U.S.C. 1681i ( a ). 

Sincerely, XXXX 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