Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
* * FRAUDULENT ACCOUNT DISPUTE, VALIDATION & FINE NOTICE * * Date : XX/XX/XXXX From XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Date of Birth : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : FRAUDULENT ACCOUNTS & UNAUTHORIZED INQUIRIES VALIDATION DEMAND & NOTICE OF FINES * * Dear Compliance Department, This is a * * formal dispute, identity theft notice, and demand for validation * * under the * * Fair Credit Reporting Act ( FCRA ) * * 604 ( a ) ( 2 ), 605B, 609, 611, 623 and the * * Fair Debt Collection Practices Act ( FDCPA ) * * 807, 808, and 809. 

I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, did * * not authorize or open * * the following accounts or inquiries. They are * * fraudulent * *, and I demand immediate investigation, deletion, and permanent blocking of all related information. 

-- - # # # * * Fraudulent Accounts to Be Deleted * * 1. XXXX 2. XXXX XXXX XXXX {$520.00} 3. XXXX XXXX XXXX {$440.00} 4. XXXX XXXX XXXX {$950.00} 5. XXXX XXXX XXXX {$520.00} 6. XXXX XXXX Bank 7. XXXX XXXX XXXX -- - # # # * * Unauthorized Inquiries to Be Removed XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXXXXXX  Card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL DEMAND FOR VALIDATION * * Under * * FDCPA 809 ( b ) * * and * * FCRA 609 * *, I am requesting * * complete validation * * of each alleged account, including : * The name and address of the original creditor * The account number and date opened * A copy of any original signed contract or application with my signature * An itemized accounting of the alleged balance * The chain of assignment or ownership ( if applicable ) If you can not provide this validation within * * 30 days * *, you must * * delete and cease reporting * * all related information immediately. 

-- - # # # * * NO REINSERTION CLAUSE * * Under * * FCRA 611 ( a ) ( 5 ) ( B ) * * and * * 605B ( c ) * *, you are * * prohibited from re-inserting * * any deleted or blocked information unless it has been * * independently verified as accurate * * and I am notified in writing before any reinsertion occurs.

-- - # # # * * NOTICE OF FINES AND CIVIL LIABILITY * * Failure to comply with these provisions constitutes a * * willful violation * * of federal law and subjects your agency to civil penalties and damages, including but not limited to : * * * Statutory damages up to {$1000.00} per violation * * under * * FCRA 616617 * * and * * FDCPA 813 * * ; * * * Actual damages * *, including emotional distress and credit harm ; * * * Attorneys fees and court costs * *.

Continued collection activity, re-reporting, or reinsertion of these fraudulent accounts will be considered a knowing and willful violation of federal consumer protection statutes. 

-- - # # # * * IDENTITY THEFT BLOCK REQUEST * * Pursuant to * * FCRA 605B ( a ) * *, I request that you * * block all information resulting from identity theft * * within * * four ( 4 ) business days * * of receiving this notice and supporting documentation.

Please confirm in writing within * * 30 days * * that these fraudulent accounts and unauthorized inquiries have been permanently deleted, blocked, and will not be reinserted under any circumstances. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/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