Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear TransUnion Compliance & Fraud Department, I am writing in my capacity as a consumer asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This notice constitutes a formal demand for a forensic audit, immediate blocking, and deletion of all fraudulent or unverifiable information resulting from identity theft and your XX/XX/XXXX TransUnion data breach that exposed consumer names, Social Security numbers, and dates of birth. 

I have filed a verified FTC Identity Theft Report ( Report ID : XXXX ) dated XX/XX/XXXX and attach it herewith as supporting documentation. I have also enclosed government-issued identification and proof of current address. 

I. XXXXgal Authority and Forensic Audit Request Pursuant to : FCRA 604 ( 15 U.S.C. 1681b ) Limitation on permissible purposes for furnishing consumer reports.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Obligation to block fraudulent information within four ( 4 ) business days upon receipt of identity theft documentation.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information and maintain detailed verification records.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Duties of furnishers to provide accurate information and delete unverifiable data.

FCRA 616617 ( 15 U.S.C. 1681no ) Civil liability for willful or negligent noncompliance.

I hereby demand a full forensic audit of my TransUnion consumer file, including but not limited to : All subscriber IDs, data furnishers, and permissible purpose logs that accessed or modified my file since XX/XX/XXXX. 

All matching logic or identity-association algorithms used to link data to my consumer profile. 

All access and verification notes, including timestamps and employee IDs of any entity or system that viewed or verified data during or after the XX/XX/XXXX breach. 

You are required to retain and provide these records under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ) ( 1 ) ( A ).

II. Fraudulent and Negative Accounts to Be Blocked and Deleted Under FCRA 605B, you are legally required to block these fraudulent accounts within four business days of receipt of this notice and my FTC Identity Theft Report. 

Creditor / Furnisher Account Number Date Fraud Began Type of Account Fraudulent Amount XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Account {$220.00} This account was not authorized by me and are direct results of identity theft and/or TransUnions compromised XXXX environment as publicly reported in XX/XX/XXXX. 

I further demand that you : Block and delete the above tradelines and any derivative reporting within four business days ; Cease and desist from re-reporting or re-inserting any of the blocked data ; and Provide written confirmation detailing the date and method of each deletion/block action.

III. Fraud Alert and Consumer Statement Request Please also place a Fraud Alert on my TransUnion file under FCRA 605A for an initial one-year period.

Include the following Consumer Fraud Statement in my file : I am a verified victim of identity theft and was affected by the XX/XX/XXXX TransUnion data breach. Any new credit application or data access request must be independently verified by contacting me directly at ( XXXX ) XXXX prior to approval. 

IV. Enforcement and Escalation Notice Failure to comply with these statutory obligations within XXXX business days of receipt will constitute willful and/or negligent noncompliance under FCRA 616617 . Should that occur, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and the Georgia Attorney Generals Consumer Protection Division, and will seek all remedies available under federal and state law, including statutory damages, costs, and attorneys fees.

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