Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Identity Theft Dispute and Demand for Immediate Removal of Fraudulent XXXX XXXX Account To Whom It May Concern, I am formally disputing the fraudulent XXXX XXXX account currently listed on my credit report and demanding its immediate removal pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), the Florida Identity Theft Act ( Fla. Stat . 817.568 ), and other applicable consumer protection statutes.

1. Identity Theft and Unauthorized Loan Origination This is not a mere billing errorthis is a case of criminal identity theft and loan fraud under both Florida and federal law. The key facts are as follows : On XX/XX/XXXX, I entered into a legitimate agreement to purchase a XXXX XXXX XXXX XXXX XXXX for {$36000.00}, with a {$2000.00} down payment and {$2000.00} rebate, leaving a balance of {$32000.00}. 

XXXX XXXX, XXXX XXXX at XXXX of XXXX, fraudulently increased the loan amount to approximately {$52000.00} by adding unauthorized charges ( e.g., Luxcare ) without my knowledge or consent. 

My personal and credit information was misused to originate a loan far exceeding the amount to which I agreedconstituting identity theft and fraudulent misrepresentation. 

XXXX. Identity Theft Report Filed In accordance with FCRA 605B : I have filed an Identity Theft Report with the XXXX XXXX XXXX Department ( Case # _______, attached ). 

I am fully prepared to press criminal charges against the individuals responsible. 

Under federal law, credit reporting agencies are legally required to block this account once an identity theft report is submitted. 

XXXX. XXXX XXXX  Continued Reporting Is Unlawful Despite being notified, XXXX XXXX has refused to correct or remove this fraudulent account, likely due to its relationship with the dealership. 

This conduct violates : FCRA 623 ( a ) ( 6 ) : Furnishing information known to result from identity theft.

FCRA 605B : Obligation to block fraudulent information upon receipt of an identity theft report.

Fla. Stat. 817.568 ( 6 ) : Prohibiting creditors from collecting or reporting fraudulent debts once notified. 

XXXX. XXXX XXXX Attempted Coercion Is Illegal Despite acknowledging that fraud and identity theft occurred, XXXX XXXX, General XXXX of XXXX of XXXX, is refusing to refund the funds obtained through fraud unless I sign a legal release. He has offered {$7500.00} to settle this matter, but this offer : Is grossly inadequate compared to the financial harm already caused by the fraudulent loan. 

Is conditioned on me waiving all claims and releasing the dealership and associated parties, despite their criminal conduct. 

This constitutes illegal coercion under contract law and consumer protection law. It is unlawful to condition the return of money obtained through fraud on the signing of a liability release. 

Under the Restatement ( Second ) of Contracts XXXX, a contract term ( like a release ) is unenforceable if it is contrary to public policy, especially when it excuses a party from liability for fraud or criminal conduct. 

Additionally, under Florida law ( XXXX XXXX. XXXX False pretenses and fraud ) and common law fraud doctrines, a person XXXX not retain money obtained by fraud or coercively condition its return on a waiver of legal rights. 

Accepting this settlement and signing the release would cause further financial harm, obstruct any future legal recourse, and violate the principle that victims of identity theft must be made whole without being coerced into silence or limited compensation. 

Furthermore, XXXX XXXX has been made aware of this issue but continues to report the fraudulent account, despite this attempted coercion and acknowledgement of the fraud by the dealership. 

XXXX. Legal Demand for Immediate Action I hereby demand : Immediate and permanent deletion of the XXXX XXXX account from my credit reports. 

Written confirmation that this account has been blocked and will no longer be reported. 

Notification to XXXX XXXX that they must cease reporting and collection efforts on this account. 

XXXX. Notice of Legal Remedies Failure to comply within XXXX calendar days will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Florida Attorney General, and Federal Trade Commission. 

Civil legal action under FCRA XXXX16 and 617 for statutory damages ( up to {$1000.00} per violation ), actual damages, attorneys fees, and punitive damages. 

Enclosures ( Attached for Verification ) Copy of Identity Theft Report ( XXXX XXXX XXXX Department ) Copy of signed vehicle agreement dated XX/XX/XXXX ( showing accurate amount and terms ) Email correspondence from XXXX XXXX admitting to unauthorized charges and deceptive conduct This matter is non-negotiable. You are required under federal and state law to immediately block and delete all references to this fraudulent account. I expect prompt compliance and written confirmation of resolution. I am also including directives from the CFPB and the FTC on how this dispute should be handled by your bureau. Kindly see files attached titled FCRA 605B Sincerely, XXXX XXXX [ Last XXXX digits of XXXX are XXXX Enclosures : Identity Theft Report

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 explanation