Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions Attn : Legal Department/Executive Resolution Team XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Certified Mail, Return Receipt Requested Certified Mail # : Re : URGENT FORMAL LEGAL NOTICE - Data Breach Violations and Demand for Immediate Action SSN : XXXX Dear TransUnion, URGENT : TIME-SENSITIVE LEGAL MATTER REQUIRING EXECUTIVE REVIEW This is my final attempt to resolve these matters before filing suit in federal court. 
I was recently notified that I am a victim of TransUnion 's data breach. Upon reviewing my credit report, I discovered extensive fraudulent activity that is a direct result of your failure to protect my personal information. 
FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} ALL UNAUTHORIZED INQUIRIES REQUIRING IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CRITICAL ISSUE : FRAUD ALERT REMOVAL DEMAND IF THERE IS ONE I demand the immediate removal of ALL fraud alerts, victim status indicators, and any notations visible to creditors. These flags are causing additional harm by alerting potential creditors, resulting in discrimination and credit denials.

BLOCKED PORTAL ACCESS TransUnion has blocked my access to my online portal during this critical time when I need to monitor for additional fraudulent activity resulting from your data breach.

DAMAGES FROM YOUR DATA BREACH Your security failure has caused : Severe credit score reduction Discrimination from lenders seeing victim status flags Lost employment opportunities from credit checks Severe emotional distress Countless hours addressing identity theft Total fraudulent debt exceeding or around {$15000.00} FORMAL LEGAL NOTICE Unless ALL demands are met by XXXX XXXX XXXX on XX/XX/XXXX, I will file suit in federal court seeking compensatory damages, statutory damages, punitive damages, and injunctive relief. 
REGULATORY COMPLAINTS PENDING Documentation is being prepared for submission to : Consumer Financial Protection Bureau Federal Trade Commission Ohio Attorney General All relevant regulatory agencies CLASS ACTION POTENTIAL This systemic data breach alecting multiple consumers may warrant class action certification.

LITIGATION HOLD NOTICE Preserve all documents and electronic records related to my account. Spoliation will result in sanctions. 
IMMEDIATE DEMANDS- ALL MUST BE COMPLETED : REMOVE all XXXX fraudulent accounts listed above REMOVE all XXXX unauthorized inquiries listed above REMOVE ALL fraud alerts from my credit file REMOVE ALL victim status indicators visible to any third party REMOVE ALL notations identifying me as any type of victim RESTORE immediate full access to my TransUnion portal PROVIDE corrected credit reports to all who accessed my file in past 2 years ASSIGN dedicated specialist with direct phone number PROVIDE written confirmation of all removals and actions taken CEASE reporting any victim status to any third party FTC IDENTITY THEFT REPORT AND DOCUMENTATION I have filed a comprehensive identity theft report with the Federal Trade Commission at IdentityTheft.gov documenting all fraudulent accounts and unauthorized inquiries resulting from your data breach. This FTC Identity Theft Report, along with my identity verification and sworn alidavit, establishes the fraudulent nature of these accounts. 
FINAL WARNING Your data breach directly caused my identity theft. Your refusal to remove harmful notations compounds the damage. The fraud alerts and victim flag you maintain are causing ongoing discrimination and credit denials. 
This is your final opportunity before litigation. I require written confirmation by the deadline that ALL fraudulent accounts, ALL unauthorized inquiries, ALL fraud alerts, and ALL victim status indicators have been permanently removed. 
Time is of the essence. 
I declare under penalty of perjury that the foregoing is true and correct. 
Sincerely, XXXX XXXX Date : XX/XX/XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission Ohio Attorney General 's Office Enclosures : FTC Identity

Company response to consumer: Closed with explanation