Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am writing to dispute the inaccurate information in my credit report obtained by TransUnion. I am sending this letter demanding that you enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which requires you to provide me with the procedures used to verify the information in my credit report. If you are unable to verify the accuracy of the disputed items, they must be removed from my credit report immediately because they are affecting my financial situation and that of my family.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Also, 15 USC 1681 ( a ) ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b, has been established for TransUnion to maintain a credit report on my behalf. TransUnion has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The presence of this information is a violation of my privacy rights due to the absence of this permissible purpose. 
Furthermore, TransUnion has violated my rights under 15 U.S.C. 1681b ( Permissible Purpose ), as these accounts and inquiries were obtained, accessed, and reported without my authorization, consent, or any lawful permissible purpose. In addition, the personal information being reported is inaccurate and does not belong to me, which makes this information incomplete, unverifiable, and erroneous. Therefore, these items must be blocked and permanently deleted from my credit report immediately pursuant to federal law.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. Since my information has been compromised due to identity theft, I expect TransUnion to take all necessary action to correct and block this information as ordered by law.

I request a formal investigation into my dispute and the removal of any incorrect information from TransUnions records if they determine there is no permissible purpose for maintaining this information.

Please provide me with a written response within 30 days, detailing the results of the investigation along with any action taken. If my report is not corrected or removed in accordance with the aforementioned laws, I will pursue legal remedies to enforce my rights. 
DISPUTED ITEM TO DELETE IMMEDIATELY XXXX XXXX  Account Number : XXXX ( FTC ID Theft Report ) XXXX FTC Violations of 15 USC 1681s-2 for reporting inaccurate and unverifiable information.

Account opened by identity thief and reported without authorization or permissible purpose.

Must be blocked and permanently deleted immediately. 
PERSONAL INFORMATION ( from government ID ) : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This is my correct personal information ; all other information reported is erroneous and must be removed ).

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