Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Several disputes have been uploaded and mailed to TransUnion since XX/XX/XXXX due to unauthorized and new personal information, accounts and inquiries showing up on TransUnion credit report again. This has been on going with Trans Union and mostly likely due to the data breaches. My personal/private information showed up XXXX times leaked in data breach. TransUnion has repeated ignored my consumer rights, especially 15 USC 1681i ( a ) and 605B. 

Date : XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Debt validation Request Under FCRA XXXX XXXX Dear TransUnion Dispute Department XXXX I am writing to formally request the validation of this debt/information on my Experian credit report ( Report Date : XX/XX/XXXX ) pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have identified the following item that is inaccurate and/or unverifiable : Creditor : XXXX XXXX XXXX  Account Number : XXXX Status : Charged off / {$440.00} past due Creditor : XXXX Account Number : XXXX Status : Charged off / {$690.00} past due Creditor : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Status : showing XXXX late payments ( {$26000.00} ) This account is being reported with derogatory information that is both inaccurate and damaging to my credit profile. I am requesting the following in accordance with the FCRA, UCC 3-603 subsection b, Truth in Lending Act and Fair Debt Collection Practices Act : A complete and documented investigation into the accuracy and ownership proof of this account. Original wet-ink contract Verification of all details including the original signed contract, full payment history, and chain of custody/title of the debt. Accounting records showing the debt is truly outstanding. 

If the account can not be verified within XXXX  days, it must be promptly deleted from my report as required by law. 

Please send me a written confirmation of the investigation results, and if changes are made, provide an updated copy of my credit report. 

Notify any third parties who accessed my credit report within the past XXXX  months ( or XXXX  years for employment purposes ) of any corrections made. 
By law, if a credit account is being reported inaccurately, the credit reporting agency ( Experian, TransUnion, or Equifax ) is required to correct or remove the inaccurate information. This is mandated by the Fair Credit Reporting Act ( FCRA ). 

Note this account is showing good standing in XX/XX/XXXX and charged off XX/XX/XXXX. I am aware of the identity breaches/hacks that this company has been dealing with for the past years and recent lawsuit claims. 
Further, I would like to remind you of your obligations under 16 CFR 313.4 ( Initial Privacy Notice to Consumers ). As a consumer, I am entitled to receive a clear and conspicuous notice of your privacy policies and practices. 
As stipulated by the FCRA : If a credit account is being reported inaccurately, the credit reporting agency ( Experian, TransUnion, or Equifax ) is required to correct or remove the inaccurate information. 
This requirement is non-negotiable under 15 U.S.C. 1681i ( a ), which mandates that if an item can not be verified, it must be deleted from the file of the consumer.

Dept of Education violation : 34 CFR PART 99FAMILY EDUCATIONAL RIGHTS AND PRIVACY. 20 U.S.C. 1232g - Family educational and privacy rights Please consider this a formal request. I have enclosed a copy of my ID and a bank statement to verify my identity. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief