Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX Subject : Formal Complaint Against TransUnion Unlawful Credit Reporting of Bankruptcy and XXXX XXXX Account ; Demand for Immediate Removal per FTC Affidavit SUMMARY OF COMPLAINT : This complaint is submitted against TransUnion for unlawful credit reporting practices that violate my rights under the Fair Credit Reporting Act ( FCRA ), my constitutional right to privacy, and FTC enforcement guidelines. Specifically, TransUnion is : Reporting a bankruptcy without my consent or authorization, which constitutes a violation of federal law and privacy standards ; Falsely and continuously reporting a XXXX XXXX account as charged off with ongoing monthly derogatory updates, in violation of the FCRA and IRS policy on debt forgiveness ; Failing to act on a valid FTC Identity Theft Affidavit that mandates removal of these accounts within four ( 4 ) calendar days.

1. UNAUTHORIZED BANKRUPTCY REPORTING VIOLATION OF PRIVACY & FCRA TransUnion is reporting a bankruptcy on my credit report without my knowledge, consent, or legal authorization. Attached is a letter from the U.S. Bankruptcy Court confirming that they do not report bankruptcy filings to any credit bureau, including TransUnion. 

This entry was not obtained from a permissible source, and its publication violates : FCRA, 15 U.S.C. 1681b No permissible purpose or consumer consent for disclosure ; Constitutional right to privacy ( Doe v. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ) ; Due process protections as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX XXXX : In re XXXX, XXXX XXXX. XXXX Established that bankruptcy courts do not report to CRAs ; improper third-party sourcing can violate FCRA. 

2. XXXX XXXX CHARGE-OFF MISLEADING & ILLEGAL REPORTING TransUnion continues to report an old XXXX XXXXXXXX account as charged off, with false monthly updates that portray it as a recurring delinquency. This account is not being collected, but TransUnions reporting misrepresents its status and artificially damages my credit profile.

This reporting violates : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy ; IRS Regulation 26 U.S.C. 61 ( a ) ( 12 ) Charged-off debt is considered forgiven and may not continue to be reported as an open delinquent item ; FTC guidelines Prohibit multiple reports of a single charge-off event as if it is new each month. 

Case Law Support : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ongoing inaccurate charge-off reporting is deceptive and in violation of FCRA. 
XXXX v. TransUnion, XXXX XXXX XXXX Held that CRAs may be liable for continuing to report unverifiable or misleading data. 

3. FTC AFFIDAVIT 4-DAY REMOVAL MANDATE Attached is an FTC Identity Theft Affidavit listing both the unauthorized bankruptcy and XXXX  XXXX account as items that must be removed. Per 15 U.S.C. 1681c-2, and FTC enforcement policies, TransUnion is required to block and delete these items within four ( 4 ) calendar days of receiving this affidavit.

Failure to act constitutes a willful violation under : FCRA 1681n Civil liability for willful noncompliance ; FCRA 1681o Civil liability for negligent noncompliance.

Statutory, actual, and punitive damages will apply as a matter of law. 

4. RELIEF REQUESTED : I demand that TransUnion : Immediately and permanently delete the unauthorized bankruptcy entry ; Remove the XXXX  XXXX charge-off account entirely, including all monthly updates ; Cease and desist from any further reporting or reinsertion of these items ; Send written confirmation of removal within ten ( 10 ) business days.

5. ATTACHED DOCUMENTS : Letter from the U.S. Bankruptcy Court confirming they do not report to credit bureaus ; FTC Identity Theft Affidavit naming disputed accounts ; Notarized dispute letter previously mailed to TransUnion listing these accounts ; Copy of my government-issued photo ID ; Last four digits of my Social Security number ; Date of birth for identity verification. 

CLOSING STATEMENT : TransUnions actions constitute serious violations of federal law and consumer rights. I request immediate investigation by the Consumer Financial Protection Bureau and enforcement of all remedies available under the FCRA and related regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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