Consumer complaint received 2025-06-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX * * CC : * * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX Washington , DC XXXX -- -- - XXXX XXXX XXXX : FORMAL DISPUTE AND DEMAND FOR REMOVAL * * Consumer Name : * * XXXX XXXX XXXX * * Address : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX * * Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR DISPUTE This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) that the above-referenced bankruptcy entry on my credit report is * * INACCURATE, UNVERIFIABLE, and MUST BE REMOVED IMMEDIATELY * *. 

# # # VIOLATIONS OF FEDERAL LAW : * * XXXX. 15 U.S.C. 1681e ( b ) - Reasonable Procedures to Assure Maximum Possible Accuracy * * You have failed to follow reasonable procedures to assure maximum possible accuracy of the information you are reporting. The bankruptcy referenced does not belong to me and represents a clear violation of your duty to maintain accurate consumer reporting. 

* * XXXX. 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports * * You lack permissible purpose to report this inaccurate bankruptcy information, as it does not pertain to my actual credit history or financial obligations. 

* * XXXX. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses * * The continued reporting of this inaccurate information after being notified of its inaccuracy constitutes obtaining and reporting information under false pretenses. 

* * XXXX. 18 U.S.C. 1028A - Aggravated Identity Theft * * The reporting of bankruptcy information not belonging to me constitutes use of another persons identifying information in connection with a violation of federal law, specifically FCRA violations. 

* * XXXX. 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft * * I am entitled to have this fraudulent information blocked from my consumer file as it results from identity theft or error. 

-- -- - # # CRITICAL INFORMATION * * IMPORTANT : * * TransUnion is the * * ONLY * * credit reporting agency reporting this bankruptcy on my credit report. Neither Experian nor Equifax show this bankruptcy, which strongly indicates this is an error specific to your reporting systems. 

I have been informed by * * multiple supervisors in your XXXXXXXX XXXX XXXX * * that TransUnion utilizes * * XXXX * * to verify bankruptcy information. 

* * ENCLOSED : * * Letter from XXXX [ Note : Include the XXXX documentation you referenced ] -- -- - # # DEMAND FOR IMMEDIATE ACTION Under 15 U.S.C. 1681i, you have * * XXXX days * * from receipt of this letter to : XXXX. * * INVESTIGATE * * this dispute thoroughly XXXX. * * VERIFY * * the accuracy of this bankruptcy entry through XXXX XXXX. * * REMOVE * * this inaccurate information from my credit file immediately XXXX. * * PROVIDE * * written confirmation of removal XXXX. * * SEND * * updated credit report showing removaXXXX XXXX XXXX NOTICE OF POTENTIAL LEGAL ACTION Failure to properly investigate and remove this inaccurate information may result in : - Violations of 15 U.S.C. 1681n ( willful noncompliance ) - Violations of 15 U.S.C. 1681o ( negligent noncompliance ) - Actual and statutory damages - Attorney fees and costs - Punitive damages -- -- - # # CONSUMER RIGHTS STATEMENT I hereby exercise all rights afforded under the FCRA and demand compliance with federal law. This bankruptcy does not belong to me, and its continued reporting constitutes a serious violation of my consumer rights. 

I request that you : - Remove this item immediately - Provide written confirmation of removal within XXXX business days - Send an updated credit report showing the removal - Notify all parties who received my credit report in the past XXXX  months -- -- - 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 non-monetary relief