Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Formal Dispute and Demand for Immediate Removal of Fraudulent Information Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Demand for Investigation and Immediate Removal of Unauthorized, Fraudulent, and Inaccurate Information Name : XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dear TransUnion , Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically USC Sec 15, USC 1666b , USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i , 12 CFR 1006.34c, 12 CFR 1006.6c, 15 USC 1671e ( b ), 15 USC 1681s-2 ( A ), UCC Article 9 Part 6, and other relevant statutes, I am formally disputing and demanding the immediate removal of the following fraudulent, inaccurate, unauthorized, and illegal accounts from my credit report. I specifically request that all corrections be made manually, and no automated processes or electronic verification methods should be used in resolving this dispute. These items resulted from identity theft due to multiple data breaches at TransUnion and other bureaus. 
These accounts require manual verification. I demand copies of my signatures and dates of authorization, as no such authorizations exist for these fraudulent accounts. 
Disputed Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Issue : Unauthorized and fraudulent ; no signature provided by me. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Issue : Unauthorized and fraudulent ; no signature provided by me. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Unauthorized and fraudulent ; no signature provided by me. 
XXXX XXXX ( Accounts Ending in XXXX, XXXX, XXXX ) Issue : Unauthorized accounts opened without my consent ; no valid authorization. 
Incorrect Personal Information to be Removed Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry : Inquiry by XXXX  ( XXXX  ) on XXXX Issue : Unauthorized and fraudulent. 
My accounts have never been late. The reported late payment from XXXX XXXX resulted from a systematic billing error by the creditor. My payments were consistently on autopay. Reporting this error violates USC Code 1681eb and 15 USC 1666b, which require creditors to provide proof of mailing or delivery of periodic statements 21 days prior to the due date. Despite my good-faith request under Rule 1002, no proof has been provided. This error has significantly harmed my reputation, character, lifestyle, and family. I demand this erroneous late payment be corrected or removed immediately. 
Under FCRA Section 605B, 15 U.S.C. 1681c-2, I formally demand the immediate blocking of these accounts due to identity theft.

Under 15 USC Sec. 1681i ( a ), 1682, 1683, 1684, you are required to complete your reinvestigation within 30 days of receipt of this letter. Any accounts not properly verified must be removed immediately.

Failure to comply with this request will result in legal action under FCRA and complaints filed with the CFPB, FTC, and other regulatory bodies. 
Thank you for your immediate attention to resolving this serious issue. 
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