Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX2025 Subject : Formal Dispute Due to Data Breach Demand for Immediate Deletion of Fraudulent Entries under FCRA 605 ( b ), 609 ( b ), and UCC Protections To Whom It May Concern, This letter is a formal dispute and demand for immediate deletion of fraudulent and inaccurate accounts listed below from my TransUnion credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ) due to a data breach and compromised consumer identity.

I am demanding that you do NOT use the e-OSCAR automated system to process this dispute, as it has been found in recent legal cases to neglect proper reinvestigation under the law. This request requires a manual and lawful investigation as outlined in FCRA Section 609 ( b ) and 605 ( b ), which mandates removal of unverifiable and erroneous information caused by identity compromise or mishandled consumer data. 

Accounts to be Deleted Immediately : XXXX XXXX XXXX  Account # : XXXX {$1600.00} Collection XXXX Account # : XXXX {$630.00} Collection XXXXXXXX XXXX Account # : XXXX {$1500.00} Collection XXXX XXXX Account # : XXXX {$510.00} Collection XXXX XXXX Account # : XXXX {$640.00} Collection XXXX XXXXXXXX Account # : XXXX {$700.00} Collection XXXX Account # : XXXX {$0.00} Charge-Off XXXX Account # : XXXX {$800.00} Charge-Off XXXX Account # : XXXX {$0.00} Charge-Off Hard Inquiries : XXXX XXXX XX/XX/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 Legal Grounds for Immediate Action : FCRA 605 ( b ) Information resulting from unauthorized use of personal data or obtained through a breach must be removed.

FCRA 609 ( b ) I am exercising my right to full disclosure of the source and documentation used to verify these accounts.

FCRA 611 TransUnion is legally obligated to conduct a reasonable reinvestigation and respond within 30 days.

UCC 1-308 I reserve all rights without prejudice. Any failure to properly respond or verify constitutes an unlawful default.

FCRA Violation Precedent You are reminded that the continued reporting of unverifiable or inaccurate data after dispute is a violation subject to statutory damages.

Final Warning : You are hereby put on notice that you have 5 days from receipt of this letter to : Delete all listed accounts and inquiries ; Mail me confirmation of the deletions.

Failure to comply will result in immediate complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney Generals Office Additionally, I will pursue legal action under FCRA 616 and 617 for willful and negligent noncompliance, including damages, legal fees, and punitive remedies.

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