Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/XXXX To : TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Demand for Immediate Deletion of Fraudulent Accounts Identity Theft & Data Breach Violation Re : Removal of Inaccurate and Fraudulent Accounts Within 4 Days To Whom It May Concern, I am writing as a victim of the 2017 Equifax data breach, in which my personal identifying information was exposed due to your gross negligence in safeguarding consumer data. As a direct result of this breach, fraudulent accounts have appeared on my credit report that I did not authorize, initiate, or benefit from.

These accounts are the product of identity theft, and your continued reporting of them constitutes willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and related state consumer protection statutes.

Under FCRA 602 ( A ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer reports. FCRA 611 ( 15 U.S.C. 1681i ) mandates that disputed items be reinvestigated within 30 days ( or less, when evidence is clear ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) gives identity theft victims the right to have fraudulent information blocked from their reports within 4 business days upon receipt of proof.

I am invoking my rights under FCRA 605B, as I have enclosed : 1. A copy of my government-issued photo ID 2. 605b Letter 3. A signed Identity Theft Report as defined under federal law Failure to remove these fraudulent accounts within 4 days will be considered a willful violation of the FCRA and related statutes, exposing your company to actual, statutory, and punitive damages. Courts have repeatedly ruled against credit bureaus for failure to promptly and accurately correct consumer reports, including but not limited to : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Bureau found liable for failing to reinvestigate inaccuracies properly.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Consumers entitled to punitive damages for reckless FCRA violations.

Sloane v. Equifax Info. Servs., LLC , 510 F.3d 495 ( 4th Cir. 2007 ) Bureau liable for emotional distress and economic harm from inaccurate reporting.

This letter serves as formal written notice under the FCRA and FACTA. You are hereby ordered to : 1. Permanently delete all fraudulent accounts listed in the enclosed Identity Theft Report. 
XXXX. Send me updated copies of my credit report from each bureau reflecting these deletions. 
XXXX. Provide the name, address, and telephone number of each creditor that furnished the fraudulent information. 

If you do not comply within XXXX business days from the date you receive this notice, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and initiate civil litigation in federal court for statutory damages of {$1000.00} per violation, punitive damages, and attorneys fees as allowed under 15 U.S.C. 1681n and 1681o.

Your failure to act swiftly will be documented and used as evidence of willful noncompliance. Time is of the essence. 

Sincerely, XXXX XXXX Enclosures : Copy of Government ID Proof of data breach Identity Theft Report 605b Letter

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