Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT & DEMAND FOR IMMEDIATE BLOCK UNDER FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX Date : ______________________ To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Notice of Identity Theft, XXXX XXXX XXXX Exposure, Failure to Validate, and Demand for Immediate Blocking/Deletion of Fraudulent Accounts I. AFFIDAVIT & LEGAL STANDING I, XXXX XXXX XXXX declare under penalty of perjury that I am a victim of identity theft. My personal identifying information was exposed in the XXXX data breach, and fraudulent/unauthorized accounts have appeared on my TransUnion credit report. 
This affidavit is submitted pursuant to : FTC / FCRA : XXXX U.S.C. 1681c-2 ( FCRA 605B ) Identity theft blocking FCRA 611 / 15 U.S.C. 1681i Reinvestigation duties 15 U.S.C. 1681i ( 7 ) Right to request Method of Verification 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement UCC 3-501 & UCC 9-210 Presentment, accounting, and chain of title demands This is not a routine dispute. This is a formal identity-theft block demand. 

XXXX. XXXX DATA BREACH & IDENTITY THEFT NOTICE Equifax publicly acknowledged a breach exposing consumer data including Social Security numbers and identifying information. I am a consumer whose information was compromised. After that exposure, I now have accounts reporting that I did not open, did not authorize, and do not recognize. 

XXXX. FRAUDULENT / UNAUTHORIZED NEGATIVE ACCOUNTS ON TRANSUNION TransUnion is currently reporting negative accounts/items that are not being reported consistently across all three bureaus. This inconsistency itself supports inaccuracy and lack of lawful verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS/ DELINQUENCY ) Account # : XXXX Open with late payments I dispute the ownership, authorization, and accuracy of every item above. 

IV. CROSS-BUREAU INACCURATE REPORTING XXXX and XXXX XXXX are not reported consistently across XXXX XXXX, and TransUnion. 
Different account numbers, timelines, and reporting patterns violate 15 U.S.C. 1681e ( b ).

V. PRIOR VALIDATION DEMANDED NOTHING PRODUCED ( OUTRAGEOUS & INHUMAN ) I previously demanded validation and strict proof. To date, TransUnion and/or furnishers have produced : No original signed contract/application No wet-ink signature documents No complete payment history No chain of title / assignment proof No proof of written consent / permissible purpose Continuing to report these accounts without lawful validation is outrageous and is harming my reputation and ability to establish my life. 

VI. FCRA 605B IMMEDIATE BLOCK REQUIRED ( 4 BUSINESS DAYS ) Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once identity theft is reported and documentation is provided, TransUnion must block the identity-theft information within 4 business days, unless it can prove the information is legitimate.

TransUnion has no lawful proof tying me to these accounts. Therefore, the accounts must be blocked and deleted immediately. 

VII. METHOD OF VERIFICATION DEMAND ( 15 U.S.C. 1681i ( 7 ) ) Under 15 U.S.C. 1681i ( 7 ), I demand the Method of Verification for each disputed item, including : Who you contacted ( name, address, phone ) What documents were reviewed How the accounts were allegedly verified Automated system responses are not lawful verification. 

VIII. UCC DEMAND ( NO CONTRACT = NO ENFORCEABLE OBLIGATION ) Under UCC 3-501 and UCC 9-210 , I demand presentment and accounting, including : The original instruments/agreements Proof of assignment/chain of title Full payment history and itemization If there is no signed agreement tying me to these accounts, there is no enforceable obligation. 

IX. FORMAL DEMAND I demand that TransUnion : 1. IMMEDIATELY BLOCK AND DELETE the following items under FCRA 605B : XXXX Collection : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide written confirmation of deletion. 
XXXX. Provide Method of Verification under 1681i ( 7 ) for each account.

4. Correct my personal information and remove obsolete identifiers contributing to mixed-file errors.

X. NOTICE OF INTENT ( CFPB + LAWSUIT ) If TransUnion fails to comply, I will immediately file : A CFPB complaint for failure to block under 605B and failure to properly reinvestigate under 611 Complaints with the FTC and State Attorney General Civil action under 15 U.S.C. 1681n & 1681o ( willful/negligent noncompliance ) XI. CERTIFICATION I certify under penalty of perjury that the statements above are true and correct.

Signature : ___________________________ 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