Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
To Whom It May Concern, I am sending this formal and final dispute notice regarding multiple fraudulent accounts reported on my TransUnion credit report. 

These accounts were not opened or authorized by me. They were established while I was a victim of human trafficking and identity theft between approximately XXXX and XXXX a time during which I had no control over my identity, documents, or personal security. 

I previously submitted a valid FTC Identity Theft Report, along with a detailed dispute and a complaint to the Consumer Financial Protection Bureau ( CFPB ). Your initial response stating the accounts were verified was legally and factually improper. 

Fraudulent Accounts to Be Deleted Immediately : 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 All linked to identity theft during the period of human trafficking ( XXXX ) You Have NOT Verified These Accounts Under the Law : TransUnions prior claim that these accounts were verified is meaningless unless you can produce the following for each account : Original signed contracts or applications ( bearing my actual signature ) Proof of use ( e.g. IP addresses, physical location logs, purchase or communication records that prove I used the account ) Documented authorization that clearly connects me, not a third party, to the account opening or usage If you can not produce all of the above, you have not verified anything under FCRA 1681i ( a ) and you are legally required to delete the accounts immediately.

Legal Authority : 1. FCRA 1681c-2 Requires TransUnion to block accounts confirmed to be identity theft within 4 business days of receiving a valid Identity Theft Report.

2. FCRA 1681i ( a ) ( 5 ) If information can not be verified by original documentation, it must be deleted.

3. FCRA 1681n / 1681o Knowingly reporting inaccurate or unverifiable information constitutes willful and negligent noncompliance and exposes TransUnion to civil penalties. 

Already Provided : FTC Identity Theft Report Proof of Identity & Address Details of fraudulent accounts + CFPB Complaint Statement affirming I was trafficked during the time of the account activity I am not required to relive or re-prove my human trafficking experience. The FTC Identity Theft Report is sufficient under federal law.

Immediate Actions Required : 1. Delete or block the accounts listed above permanently. 
XXXX. Provide a written response confirming deletion, as well as a new copy of my report. 
XXXX. Disclose any verification documentation used so I may review it for legal compliance. 

You Are Now On Legal Notice This is your final opportunity to correct this matter voluntarily. If I do not receive confirmation of removal within 15 calendar days, I will : Submit an updated complaint to the CFPB and FTC Seek legal counsel for violations of the FCRA and Fair Credit Billing Act Consider litigation under 15 U.S.C. 1681n and 1681o This dispute is supported by federal law, federal documentation, and protected victim status. I expect immediate resolution and full deletion. 

Sincerely, 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 explanation