Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX RE : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS Consumer File : [ Your Consumer File Number ] Date : XX/XX/XXXX To Whom It May Concern : This letter serves as formal notice of your continued violations of the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts that have been repeatedly re-inserted onto my credit report despite multiple proper removals and comprehensive identity theft documentation. 
DOCUMENTED PATTERN OF FCRA VIOLATIONS : Your representatives have repeatedly removed and re-inserted the following fraudulent accounts throughout XXXX : XXXX Card - Account No. : XXXX - Balance : {$12000.00} XXXX XXXX - Account No. : XXXX - Balance : {$13000.00} I have provided all required documentation including : Official Police ID Theft Report from XXXX XXXX Police Department Federal Trade Commission Identity Theft Affidavit Personal identification and utility verification UNACCEPTABLE RESPONSES FROM YOUR REPRESENTATIVES : Your supervisor XXXX XXXX ( File Number : XXXX, contacted XX/XX/XXXX at XXXX XXXX  PST ) admitted these accounts are fraudulent but refused removal claiming XXXX hours have passed since re-insertion - a fabricated limitation with NO BASIS in FCRA law. 
Your supervisor XXXX from your Special Handling Department similarly confirmed these accounts are fraudulent yet refused removal claiming payments were made - demonstrating a fundamental misunderstanding that fraudulent accounts with activity patterns are STILL FRAUDULENT and must be removed under FCRA 611. 
The alarming reality is that your highest-level consumer representatives openly admit they have no knowledge of FCRA consumer laws. This is equivalent to a surgeon claiming no knowledge of anatomy while operating on a patients XXXX, or a pilot claiming no knowledge of aviation safety while flying passengers. The consequences of your representatives incompetence directly harm consumers financial lives and creditworthiness. 
LEGAL VIOLATIONS : Your actions violate multiple FCRA provisions : 611 ( a ) ( 1 ) ( A ) : Failure to conduct reasonable investigation 611 ( a ) ( 5 ) : Failure to delete inaccurate information 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate 617 : Negligent noncompliance causing consumer harm IMMEDIATE DEMAND : Under FCRA authority, you are hereby ORDERED to : 1. PERMANENTLY DELETE the above-referenced fraudulent JPCMB accounts within FOUR ( 4 ) business days of receipt 2. PROVIDE written confirmation of deletion to all three credit bureaus 3. IMPLEMENT internal controls preventing re-insertion of these confirmed fraudulent accounts 4. FLAG my file to prevent future unauthorized re-insertions LEGAL CONSEQUENCES : Your continued violations expose TransUnion to : Statutory damages under FCRA 616 ( $ 100- {$1000.00} per violation ) Actual damages including credit score harm and increased borrowing costs Punitive damages for willful noncompliance Attorney fees and court costs Federal Trade Commission enforcement action Consumer Financial Protection Bureau sanctions Your pattern of removing and re-inserting the same fraudulent accounts demonstrates willful noncompliance, not mere negligence.

FINAL NOTICE : This constitutes your final opportunity to comply volun
tarily. Failure to permanently remove these fraudulent accounts within four ( 4 ) business days will result in immediate filing of federal litigation and regulatory complaints. 
Your competitors XXXX  and XXXX  have properly removed these same fraudulent accounts without hesitation, demonstrating that compliance is both possible and required. 
I expect written confirmation of permanent deletion by XX/XX/XXXX. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX SABOTAGE OF CONSUMER CREDIT : Your pattern of repeatedly re-inserting confirmed fraudulent accounts constitutes DELIBERATE SABOTAGE of my creditworthiness and financial standing. This systematic harassment through credit manipulation demonstrates clear intent to harm my ability to obtain credit, housing, employment, and insurance. 

COMPREHENSIVE FCRA VIOLATIONS : Your actions violate multiple FCRA provisions : - 611 ( a ) ( 1 ) ( A ) : Failure to conduct reasonable investigation - 611 ( a ) ( 5 ) : Failure to delete inaccurate information upon verification of fraud - 623 ( a ) ( 1 ) ( A ) : Knowingly reporting information confirmed to be inaccurate/fraudulent - 623 ( a ) ( 1 ) ( B ) : Failure to follow reasonable procedures to avoid reporting inaccurate information - 616 : Willful noncompliance causing actual damages to consumer - 617 : Negligent noncompliance causing consumer harm - 605 ( a ) : Reporting obsolete adverse information - 607 ( b ) : Failure to maintain reasonable procedures for accurate reporting WILLFUL MISCONDUCT AND DISCRIMINATORY PRACTICES : Your conduct demonstrates : - WILLFUL NEGLECT of statutory duties under FCRA 616 , exposing you to enhanced damages - DISCRIMINATORY PRACTICES in selectively targeting my credit file for repeated fraudulent re-insertions while other consumers receive proper fraud protection - INTENTIONAL INFLICTION OF FINANCIAL HARM through systematic credit sabotage - BAD FAITH processing of legitimate identity theft claims - ABUSE OF PROCESS by using your reporting authority to harass rather than accurately report This pattern of behavior suggests potential violation of Equal Credit Opportunity Act ( ECOA ) provisions regarding discriminatory credit reporting practices.

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