Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX TransUnion Current XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC XXXX XXXX XXXX XXXX Division XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease & Desist and Request for Immediate Deletion of Fraudulent Information Pursuant to Federal Law To Whom It May Concern : I, XXXX XXXX, am submitting this correspondence as a formal dispute and demand regarding the presence of fraudulent, inaccurate, and unauthorized information appearing on my TransUnion credit report. This includes both illegitimate accounts and unauthorized credit inquiries. 

I am requesting immediate deletion and correction of all erroneous data pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal laws governing consumer protection and privacy.

1. Identity Theft Report and Supporting Filings 1. I have filed a Police Report with my local law enforcement agency documenting the identity theft.

2. I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this fraudulent activity.

3. I have submitted disputes to all three major credit bureaus TransUnion, Equifax, and Experian notifying them of the identity theft and requesting immediate investigation and correction.

4. The fraudulent accounts and inquiries listed below were not opened, authorized, or approved by me and are the direct result of identity theft.

2. Fraudulent Accounts to Be Deleted No. Creditor Date Opened Balance / High Balance Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} / {$540.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries to Be Deleted No. Creditor / Institution Location Date Requested Inquiry Type Permissible Purpose XXXX XXXX  Dual Card XXXXXXXX XXXX XXXXXX/XX/XXXX Individual XXXX RXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Individual Consumer-Initiated Transaction 4. Notice of Legal Violations Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of data are prohibited from reporting information they knowor should knowis inaccurate.

Continuing to report or share data that is clearly fraudulent or disputed constitutes a violation of both the FCRA and the FDCPA. 

TransUnion, as a consumer reporting agency, is required to conduct a reasonable reinvestigation upon receiving notice of a dispute. Failure to comply may result in legal liability under federal law.

5. Legal Precedent Supporting This Dispute The following federal cases establish that failure to investigate and correct inaccurate credit information constitutes a willful violation of the FCRA : 1. Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ) TransUnion was found in violation for failing to follow reasonable procedures to ensure accuracy.

2. Dennis v. TransUnion Rental Screening Solutions, 520 F.3d 1066 ( 9th Cir. 2008 ) Liability upheld for failure to reinvestigate disputed data.

3. Bradshaw v. BAC Home Loans Servicing & TransUnion, 2013 WL 3766530 ( N.D. Tex. 2013 ) Continued reporting of disputed information found to be willful noncompliance.

6. Formal Demands I hereby instruct TransUnion to take the following actions : 1. Conduct a full reinvestigation of all disputed accounts and inquiries listed above pursuant to 15 U.S.C. 1681i.

2. Cease and desist from reporting, collecting, or communicating any information related to the fraudulent items.

3. Refrain from disclosing or transferring my personal information without my written authorization.

4. Permanently delete all records, data, and traces of the fraudulent accounts and inquiries from your reporting system.

5. Provide written confirmation of all deletions, corrections, and updates to my credit file within five ( 5 ) calendar days of receipt of this notice as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

7. Enclosures Copy of Police Report documenting identity theft Copy of CFPB Complaint Confirmation Proof of Identity ( Drivers License ) Supporting documentation evidencing the fraudulent activity 8. Notice of Intent If TransUnion fails to comply with this demand, I will : 1. Pursue all available remedies under federal law ; 2. File additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arkansas Attorney Generals Consumer Protection Division ; and 3. Initiate civil litigation seeking statutory, compensatory, and punitive damages for willful and negligent noncompliance. 

Please govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Arkansas Attorney General Consumer Protection Division

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