Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
FCRA Violation & Deletion Demand Addendum FCRA Violation & Deletion Demand Addendum This statement supplements my prior CFPB disputes # XXXX, XXXX and, XXXX formalizing my demand for immediate deletion of all unverifiable and fraudulent accounts being reported by these ( 3 ) CRA 's TransUnion, Experian and Equifax in violation of the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). Despite multiple disputes and notifications identifying me as a verified victim of identity theft, These ( 3 ) Credit Agency bureau continue to mark these accounts as verified without providing any lawful proof of validation, signed applications, or identification linking me to any of the debts in question.

Violations by TransUnion : 609 ( a ) ( 1 ) : Did not provide requested documents or source data substantiating the disputed tradelines.

611 ( a ) ( 1 ) ( A ) : Failed to conduct a reasonable re-investigation within the required 30-day timeframe.

611 ( a ) ( 5 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

Violations by Experian : 609 ( a ) ( 1 ) : Ignored consumer request for verification documentation.

611 ( a ) ( 1 ) ( A ) : Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law.

611 ( a ) ( 5 ) ( A ) : Refused to delete unverifiable negative information.

Violations by Equifax : 609 ( a ) ( 1 ) : Did not disclose verification records or furnishers names. 
611 ( a ) ( 1 ) ( A ) : Failed to re-investigate disputed items within 30 days. Failed to verify accuracy of disputed tradelines. Continued to report unverifiable data as verified, contrary to federal law. 
XXXX ( a ) ( XXXX ) ( A ) : Refused to delete unverifiable negative information. 
XXXX ( a ) ( XXXX ) ( B ) : Maintained obsolete charge-offs after dispute resolution. 

Identity Theft XXXX : I am a documented victim of identity theft. The continued listing of fraudulent and unverifiable accounts as verified without lawful evidence or identification constitutes willful noncompliance under XXXX XXXX. 

Demand for Immediate Deletion : Pursuant to the Fair Credit Reporting Act, I hereby demand immediate deletion of all unverifiable and identity theftrelated accounts from my credit reports maintained by TransUnion. This bureau is required by law to delete or correct information that can not be verified withinthe statutory time-frame. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and XXXX result in further legal action for continued noncompliance under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : XX/XX/year> SSN : 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