Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
b'This letter serves as my formal Notice of Intent to Sue TransUnion LLC for violations of the Fair Credit Reporting Act (FCRA) 605(b),  15 USC 1681c-2, including but not limited to 1681e(b), 1681i(a), and 1681nfor Trans Union continued report unverified, inaccurate, and potentially fraudulent XXXX XXXX account and other information.\nI am demanding immediate deletion of the XXXX XXXX and other listed accounts currently reporting because their reinvestigation results are false, incomplete, and legally insufficient.\n1. TRANSUNION IS REPORTING AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME AND WAS NEVER VERIFIED:\nThe alleged account with XXXX XXXX account closed in XXXX XXXX had account number:\n XXXX XXXX XXXX XXXXHowever, TransUnion is reporting a different number:XXXX XXXX XXXX XXXX XXXX XXXX is reporting yet another different account number on a XXXX XXXX XXXX statement they sent meXXXX XXXXThe address needs to be removed:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmployer: XXXX XXXX XXXXInquiries:  XXXX XXXX  and XXXXUpdate my name - XXXX XXXX XXXX, not XXXX XXXX XXXXI have tried for well over a year to get XXXX XXXX to validate the ownership of the account and to date, they filed a court case against me and I filed a counter claim of fraud.  To date the debt has not been verified but Trans Union claim they verified the account per the attached dispute update.  I know this to be inaccurate and now I want to file my lawsuit against Trans Union for violation of the FCRA.  There are 3 different account numbers across three sources making validation and verification impossible, and yet per the dispute update dated XXXX TransUnion marked the account as verified.\nThis demonstrates that no legitimate reinvestigation took place as required under:\n\tFCRA 1681i(a)(1)(A) (duty to conduct a reasonable reinvestigation)\n\tFCRA 1681e(b) (requirement to assure maximum possible accuracy)\nTransUnion has failed both requirements.XXXX XXXX HAS FAILED TO VALIDATE THE DEBT\nSince XXXX, I have repeatedly demanded from XXXX XXXXtProof they are the current lawful owner of the debt\n\tEvidence of assignment\n\tProof of the amount owed\n\tThe original signed agreement\n\tDocumentation showing the debt has not been securitized or sold on secondary markets\nTo date, XXXX XXXX  has provided nothing but old statements, which do not satisfy legal validation requirements under FCRA or federal consumer protection laws. However, they have shown proof of fraud by reporting 3 different account numbers for one account that has been closed for over a year.\nTransUnions continued reporting constitutes negligence or willful misconduct.XXXX XXXX LAWSUIT FURTHER PROVES THE INCONSISTENCIES\nOn XXXX XXXX XXXX XXXX XXXX through its attorney, filed a civil citation (Case No. XXXX attempting to collect $XXXXI filed a counterclaim demonstrating:\n\tMy multiple attempts to obtain validation\n\tContradictions in ownership\n\tEvidence the alleged debt has characteristics of a financial instrument traded on secondary markets, indicating potential securities fraud\nYour verified responsedespite the fact that no one has validated the debt and all three account numbers conflictproves TransUnion did not verify anything.\nTRANSUNIONS VERIFIED RESPONSE IS FALSE\nGiven the above:\n\tYou could not have confirmed the accuracy\n\tYou could not have matched all three conflicting account numbers\n\tYour automated verification process is not compliant with federal law\n\tYou knowingly continue to publish inaccurate and misleading information\nThis is a direct violation of the FCRA.\nDEMAND FOR IMMEDIATE DELETION \nPursuant to FCRA  605B (15 U.S.C. 1681c-2), FCRA  1681i(a) and 1681e(b), I am demanding:\n1. Immediate block and deletion of the XXXX XXXX  account from my TransUnion file within 4 business days.\ndue to inaccuracy, fraud indicators, and failure to verify.\n2. Full description of your Method of Verification (MOV)\nInclude the name, address, and phone number of the individual or department you contacted.\n3. Written confirmation within 4 days\ndemonstrating compliance with these demands.\nNOTICE OF INTENT TO SUE\nShould TransUnion fail to delete this account or continue to report and as a verified account,  I will proceed with litigation seeking all remedies available under federal law, including:\n\tStatutory damages\n\tActual damages\n\tPunitive damages\n\tPain and suffering\n\tAttorneys fees and costs\n\tClaims under FCRA 1681n (willful noncompliance)\n\tClaims under FCRA 1681o (negligent noncompliance)'

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