Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of Accounts Dear TransUnion Dispute Department, I am formally disputing the reporting of the following accounts on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified multiple violations of federal consumer protection laws, specifically : 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies can not disclose my nonpublic personal information to third parties without my explicit consent. 
TransUnion has not provided evidence that I authorized these accounts to be reported or shared with third parties. 
Resolution Demand : If TransUnion can not provide signed documentation proving my consent, these accounts must be immediately deleted from my credit file. 

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose FCRA 1681b strictly limits the furnishing of consumer reports only for specific permissible purposes.

TransUnion has not provided proof that the reporting of these accounts was done with a valid permissible purpose.

Resolution Demand : I request that TransUnion provide verifiable proof of permissible purpose, including : Signed authorization allowing these creditors to report these accounts. 
Detailed verification records explaining how these accounts were confirmed as accurate. 
If TransUnion can not produce this evidence, these accounts must be permanently removed from my credit report. 

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Unauthorized reporting of accounts may constitute identity theft under 18 U.S.C. 1028A.

If these accounts were reported without my explicit authorization, I may be a victim of fraudulent reporting.

Resolution Demand : If TransUnion can not verify with 100 % accuracy that I agreed to these accounts being reported, these accounts must be deleted immediately, and TransUnion must conduct an internal fraud review.

Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally request that TransUnion conduct a reinvestigation of these accounts within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and may pursue legal action under FCRA 616 & 617, which provide for statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of these accounts within 30 days. If TransUnion continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX 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