Consumer complaint received 2025-03-24 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion Special Services ( Supervisor ) XXXX XXXX XXXX XXXX, PA XXXX XXXX : DEMAND FOR IMMEDIATE DELETION AND BLOCKING OF FRAUDULENT ACCOUNTS AND INQUIRIES IDENTITY THEFT VICTIM To Whom It May Concern, I XXXX XXXX am writing to formally dispute and demand the immediate removal of fraudulent accounts and inquiries on my credit report. As a victim of identity theft, I am invoking my rights under 15 U.S.C. 1681c-2, 15 U.S.C. 1681g ( e ), and 18 U.S.C. 1028. This letter serves as formal notice that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

FTC Identity Theft Report : XXXX CFPB Complaint : [ Insert CFPB Complaint Number, if applicable ] Furthermore, due to the fraudulent activity reflected in my credit file, my credit score has dropped over 50 points, resulting in multiple denials of legitimate loan applications. This has caused me direct financial harm, which I expect TransUnion to address promptly by removing all fraudulent items from my report. 

DEMAND FOR STRICT PROOF AND IMMEDIATE REMOVAL I demand that TransUnion immediately delete and block the following fraudulent accounts and inquiries. I further demand strict proof of : The validity and enforceability of any alleged contract. 

The legal right of the reporting party to collect the debt. 

An unbroken chain of title proving ownership of the alleged debt. 

The method used to calculate the alleged balance owed. 

Failure to comply with these demands constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from inaccurate or fraudulent reporting. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Account : XXXX Balance : {$32000.00} XXXX XXXX  Opened : XX/XX/XXXX Account : XXXX Balance : {$10000.00} XXXX XXXX  Opened : XX/XX/XXXX Account : XXXX Balance : {$1200.00} XXXX XXXX Opened : XX/XX/XXXX Account : XXXX Balance : {$2100.00} FRAUDULENT INQUIRIES : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LEGAL BASIS FOR REMOVAL : Pursuant to 15 U.S.C. 1681c-2, as a victim of identity theft, I have the legal right to request that all fraudulent accounts and inquiries be permanently removed from my credit report. TransUnion is required by law to block this information within four business days upon receipt of this request and supporting documentation.

ACTION REQUIRED : Immediate Deletion : Remove all fraudulent accounts and inquiries from my credit report.

Confirmation : Provide written confirmation that the fraudulent information has been permanently deleted and blocked.

Compliance with Federal Law : Ensure strict compliance with the FCRA and FDCPA, and cease any further reporting of these fraudulent items.

Failure to take corrective action will result in further complaints filed with the CFPB, FTC, and State Attorney General, as well as potential legal action against TransUnion for willful non-compliance and negligent reporting. 

Thank you for your immediate attention to this matter. I expect prompt resolution and confirmation of the deletion of these fraudulent items. 

Sincerely, XXXX 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