Consumer complaint received 2025-08-14 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC Supervisor , Consumer Fraud Division XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease & Desist and Request for Immediate Deletion of Fraudulent Information Pursuant to Federal Law To Whom It May Concern : I, XXXX XXXX, am submitting this letter as a formal dispute and demand regarding the presence of fraudulent, inaccurate, and unauthorized information appearing on my TransUnion credit report. This includes both illegitimate accounts and unauthorized inquiries. I am requesting immediate deletion of the erroneous data in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other relevant federal privacy and consumer protection laws. 



IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ), and I have submitted disputes to all three major credit bureaus : TransUnion, Equifax, and Experian. The accounts listed below were not opened, authorized, or acknowledged by me and are the direct result of identity theftpotentially involving individuals associated with financial institutions or third-party data handlers. 



FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX DATE OPENED XXXXXXXX XXXX XXXX {$32000.00} {$540.00} Account : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date Opened XXXX {$2400.00} Account : XXXX FRAUDULENT INQUIRIES TO BE DELETED : XXXX XXXX XXXX P via XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX  FCU Requested On XX/XX/XXXX NOTICE OF LEGAL VIOLATIONS Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they knowor should knowis inaccurate. Continuing to report disputed and fraudulent data constitutes a violation of both the FCRA and FDCPA. Credit reporting agencies are required to conduct a reasonable investigation upon receiving notice of a dispute. 



LEGAL PRECEDENT SUPPORTING THIS DISPUTE Federal courts have consistently ruled against TransUnion and other CRAs for failing to correct inaccuracies after receiving dispute notifications. Relevant case law includes : Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3d Cir. 2010 ) : The court held that TransUnion violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy. Punitive damages were awarded for continued misreporting. 
Dennis v. TransUnion Rental Screening Solutions, 520 F.3d 1066 ( 9th Cir. 2008 ) : TransUnion was found liable for failure to reasonably reinvestigate disputed information under the FCRA.

Bradshaw v. BAC Home Loans Servicing & TransUnion, 2013 WL XXXX  ( N.D. Tex. 2013 ) : The court held that TransUnions continued reporting of inaccurate, disputed information constituted willful noncompliance with the FCRA. 

These cases illustrate that TransUnion can be held liable for failing to comply with federally mandated dispute investigation and accuracy standards. 



DEMANDS You are hereby instructed to : XXXX. Immediately cease and desist from reporting, collecting on, or communicating any data related to the accounts and inquiries listed above. 
XXXX. Refrain from sharing or transferring my personal information without my express written consent. 
XXXX. Permanently delete all records, data, and traces of the fraudulent accounts and inquiries from your systems. 
XXXX. Notify all credit reporting agencies of the deletion and provide formal notice of these actions. 
XXXX. Confirm compliance in writing within XXXX ( XXXX ) calendar days of receiving this notice. 



ENCLOSURES : Copy of FTC Identity Theft Report Supporting documentation and evidence of the fraudulent activity NOTICE OF INTENT If you fail to comply with this demand, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and appropriate state consumer protection agencies. I will also initiate civil litigation seeking statutory, punitive, and compensatory damages to the fullest extent allowed by law. 

Please govern yourselves accordingly. 

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