Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX PH. # XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions Attn : Legal Department/Executive Resolution Team XXXX XXXX XXXX XXXXXXXX, PA XXXX Via Certified Mail, Return Receipt Requested Certified Mail # : Re : URGENT FORMAL LEGAL NOTICEData Breach Violations and Demand for Immediate Action SSN : XXXX Previous Case/Reference # : XXXX Dear TransUnion, URGENT : TIME-SENSITIVE LEGAL MATTER REQUIRING EXECUTIVE REVIEW This is my final attempt to resolve these matters before filing suit in federal court. 
I was recently notified that I am a victim of TransUnion 's data breach. Upon reviewing my credit report, I discovered extensive fraudulent activity that is a direct result of your failure to protect my personal information. 
FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE REMOVAL : XXXX. XXXX  XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX {$5000.00} XXXX. XXXX XXXX XXXX XXXX : {$3300.00} XXXX. XXXX Charge Account Bal- {$2900.00} ALL UNAUTHORIZED INQUIRIES REQUIRING IMMEDIATE REMOVAL : XXXX. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX VICTIM STATUS - IMPROPER HANDLING I previously established my XXXX  victim status with comprehensive documentation from XXXX, self-attestation, and XXXX attorney certifications. TransUnion approved this over a year ago, then inexplicably demanded resubmission in XX/XX/XXXX and rejected the same documentation in XX/XX/XXXX. 
CRITICAL ISSUE : FRAUD ALERT REMOVAL DEMAND I demand the immediate removal of ALL fraud alerts, victim status indicators, and any notations visible to creditors that identify me as a trafficking victim or identity theft victim. These flags are causing additional harm by alerting potential creditors to my victim status, resulting in discrimination and credit denials. 
BLOCKED PORTAL ACCESS TransUnion has blocked my access to my online portal during this critical time when I need to monitor for additional fraudulent activity resulting from your data breach. 
DAMAGES FROM YOUR DATA BREACH Your security failure has caused : Credit score reduction of XXXX points Multiple credit denials due to fraud alerts and fraudulent accounts Discrimination from lenders seeing victim status flags Lost employment opportunities from credit checks Severe emotional distress Countless hours addressing identity theft FORMAL LEGAL NOTICE Unless ALL demands are met by XXXX XXXX  EST on XX/XX/XXXX, I will file suit in federal court seeking compensatory damages, statutory damages, punitive damages, and injunctive relief. 
REGULATORY COMPLAINTS PENDING Documentation is being prepared for submission to : Consumer Financial Protection Bureau Federal Trade Commission Ohio Attorney General All relevant regulatory agencies CLASS ACTION POTENTIAL This systemic data breach affecting multiple consumers may warrant class action certification. 
LITIGATION HOLD NOTICE Preserve all documents and electronic records related to my account. Spoliation will result in sanctions. 
IMMEDIATE DEMANDS- ALL MUST BE COMPLETED : XXXX. REMOVE all fraudulent accounts listed above XXXX. REMOVE all XXXX unauthorized inquiries listed above XXXX. REMOVE ALL fraud alerts from my credit file XXXX. REMOVE ALL victim status indicators visible to any third party XXXX. REMOVE ALL notations identifying me as trafficking or identity theft victim XXXX. RESTORE immediate full access to my TransUnion portal XXXX. XXXX corrected credit reports to all who accessed my file in past 2 years XXXX. ASSIGN dedicated specialist with direct phone number XXXX. PROVIDE written confirmation of all removals and actions taken XXXX. CEASE reporting any victim status to any third party POLICE REPORT AND DOCUMENTATION I am submitting Police Report # XXXX documenting the identity theft resulting from your breach, along with all required identity verification and sworn statements. 
FINAL WARNING Your data breach directly caused my identity theft. Your mishandling of my victim status and refusal to remove harmful notations compounds the damage. The fraud alerts and victim flags you maintain are causing ongoing discrimination and credit denials. 
This is your final opportunity before litigation. I require written confirmation by the deadline that ALL fraudulent accounts, ALL unauthorized inquiries, ALL fraud alerts, and ALL victim status indicators have been permanently removed. 
XXXX is of the essence. Contact me at XXXX or XXXX only to confirm compliance. 
I declare under penalty of perjury that the foregoing is true and correct. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX cc : Consumer Financial Protection Bureau Federal Trade Commission Ohio Attorney General XXXX XXXX XXXX : Police Report # XXXX Identity verification Data breach notification Complete documentation package

Company response to consumer: Closed with non-monetary relief