Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
XXXX TransUnion Letter XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX DOB : XXXXXX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC Supervisor , Consumer Fraud Division XXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease & Desist and Request for Immediate Deletion of Fraudulent Information Pursuant to Federal Law To Whom It May Concern : I, XXXX XXXX, am submitting this letter as a formal dispute and demand regarding the presence of fraudulent, inaccurate, and unauthorized information appearing on my TransUnion credit report. This includes both illegitimate accounts and unauthorized inquiries. I am requesting immediate deletion of the erroneous data in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant federal privacy and consumer protection laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ), and I have submitted disputes to all three major credit bureaus : TransUnion, XXXX, and XXXX. The accounts listed below were not opened, authorized, or acknowledged by me and are the direct result of identity theftpotentially involving individuals associated with financial institutions or third-party data handlers. 



FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX Account Ending : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$1000.00} XXXX  XXXX XXXX Account Ending : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$6000.00} XXXX XXXX XXXX XXXX Account Ending : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$510.00} XXXX XXXX XXXX XXXX  Account Ending : XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX | Balance : {$24000.00} XXXX-XXXX  XXXX  XXXX XXXX Account Ending : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$2000.00} XXXX XXXX XXXX XXXX Account Ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$5200.00} GROUNDS FOR REMOVAL : 1. These financial institutions have confirmed they hold no valid contract or signed agreement linking me to these accounts.

2. There is no supporting documentation, chain of custody, or legally binding evidence connecting me to any financial obligation related to these entries.

FRAUDULENT INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE OF LEGAL VIOLATIONS Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they knowor should knowis inaccurate. Continuing to report disputed and fraudulent data constitutes a violation of both the FCRA and FDCPA. Credit reporting agencies are required to conduct a reasonable investigation upon receiving notice of a dispute.

LEGAL PRECEDENT SUPPORTING THIS DISPUTE Federal courts have consistently ruled against TransUnion and other CRAs for failing to correct inaccuracies after receiving dispute notifications. Relevant case law includes : XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that TransUnion violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy. Punitive damages were awarded for continued misreporting. 
XXXX v. TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : TransUnion was found liable for failure to reasonably reinvestigate disputed information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that TransUnions continued reporting of inaccurate, disputed information constituted willful noncompliance with the FCRA.

These cases illustrate that TransUnion can be held liable for failing to comply with federally mandated dispute investigation and accuracy standards.

DEMANDS You are hereby instructed to : 1. Immediately cease and desist from reporting, collecting on, or communicating any data related to the accounts and inquiries listed above.

2. Refrain from sharing or transferring my personal information without my express written consent.

3. Permanently delete all records, data, and traces of the fraudulent accounts and inquiries from your systems.

4. Notify all credit reporting agencies of the deletion and provide formal notice of these actions.

5. Confirm compliance in writing within five ( 5 ) calendar days of receiving this notice.

ENCLOSURES : Copy of FTC Identity Theft Report Supporting documentation and evidence of the fraudulent activity NOTICE OF INTENT If you fail to comply with this demand, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and appropriate state consumer protection agencies. I will also initiate civil litigation seeking statutory, punitive, and compensatory damages to the fullest extent allowed by law.

Please govern yourselves accordingly. 

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 explanation