Consumer complaint received 2025-02-19 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:
Subject : Formal Demand for Deletion of Fraudulent Accounts Violation of FCRA 611 ( a ) ( 5 ) ( B ), 605B, and 611 ( a ) To Whom It May Concern, I am writing to formally demand the immediate and permanent deletion of the fraudulent XXXX accounts that were unlawfully reinserted on my credit report by TransUnion in violation of the Fair Credit Reporting Act ( FCRA ). 

These accounts were previously removed in XX/XX/year> after I submitted an Identity Theft Police Report ( LAPD ), an FTC Identity Theft Affidavit, a copy of my Social Security Card, and my Government-issued ID. However, TransUnion has illegally reinserted these accounts without proper notice or verification, in direct violation of federal law. 

Violations Committed by TransUnion 1. Re-Insertion Violation FCRA 611 ( a ) ( 5 ) ( B ) The FCRA mandates that if a credit bureau re-inserts previously deleted information, it must provide the consumer with written notice within five ( 5 ) business days. I have received no such notice. 

DEMAND : Provide written proof that TransUnion properly followed the certification of accuracy process before re-inserting these accounts. If no such proof exists, the accounts must be permanently deleted. 

2. Failure to Block Identity Theft Accounts FCRA 605B Under this provision, once a consumer provides a valid police report and an FTC Identity Theft Affidavit, the credit bureau must block the fraudulent accounts permanently. 

TransUnion has reinserted these accounts despite my documented identity theft claim, which is unlawful. 

DEMAND : Immediately and permanently delete the fraudulent XXXX accounts. 

XXXX. Failure to Conduct a Reasonable Investigation FCRA 611 ( a ) TransUnion is required to conduct a reasonable investigation into disputes. If the furnisher ( JPMCB ) can not produce evidence of my original signed agreement or application, the accounts must be deleted. 

DEMAND : Provide the method of verification used to reinsert these accounts, including : The entity that verified the accounts The documentation used for verification Whether XXXX provided my original signed contract Legal Consequences for Non-Compliance If TransUnion fails to comply with my demands within 15 days, I will proceed with the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General. 

Seek monetary damages in Small Claims Court for willful FCRA violations under 15 U.S.C. 1681n, which allows for statutory damages of {$1000.00} per violation, punitive damages, and attorney fees.

Pursue further legal action for negligent non-compliance under 15 U.S.C. 1681o.

Final Demand I demand written confirmation from TransUnion stating that : 1. The fraudulent XXXX accounts have been permanently deleted from my report. 

2. No re-insertion will occur in the future.

3. All methods of verification have been provided to me in writing. 

Failure to comply will result in immediate escalation. This letter serves as my final warning. 

Sincerely, XXXX 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 explanation