Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department XXXX This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my TransUnion credit file. I have filed an official identity theft report with IdentityTheft.gov ( FTC Report # XXXX ) and submitted dispute correspondence dated XX/XX/XXXX, with no legitimate verification or resolution received. 

I have not granted TransUnion or any furnisher permission to report, share, or distribute my personal or financial information. I have never signed for or authorized the accounts listed below. These entries are being maintained without a permissible purpose, in violation of 15 U.S.C. 1681b.

Furthermore, under 15 U.S.C. 1681c-2, TransUnion is legally required to block and delete any information related to identity theft after official notice is given which this letter and the attached FTC Identity Theft Report constitute.

Most furnishers can not and will not produce original applications, signed contracts, or documents bearing my wet signature, because they do not exist. You are now legally obligated to delete these accounts and inquiries without delay. 

Disputed Accounts ( Must Be Permanently Deleted ) JXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX OF XXXX Acct # XXXX XXXX AND XXXX  Acct # XXXX XXXX XXXX XXXXcct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXXXXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX Unauthorized Hard Inquiries ( Must Be Deleted ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for Immediate Deletion : 15 U.S.C. 1681b These items are reported without my consent or a lawful permissible purpose 15 U.S.C. 1681c-2 Upon notice of identity theft, you are required to block/remove related information FTC Identity Theft Report # XXXX Formal identity theft notification is now in effect Continued reporting or furnishing of the above data will be considered willful noncompliance and a violation of federal law. 

Required Action : Immediately delete all listed accounts and inquiries Provide written confirmation of deletion within 15 calendar days Cease furnishing or reselling my credit data without my documented written permission Failure to Comply Will Result In : Escalated complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect a full deletion and written confirmation within the timeframe provided.

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