Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Identity Theft Reporting Violations Final Demand for Removal & Demand for Compensation due to Damages To whom it may concern, FTC Identity Theft Reports Filed : XXXX & XXXX ( XX/XX/scrub>, 2025 ) Disputed Account : XXXX XXXX XXXX XXXX  Acct. # : XXXX Original Balance : {$5700.00} Current Balance : {$6700.00} ( per TransUnion on XX/XX/year>2025 ) Furnisher / Collector : XXXX XXXX XXXX XXXX XXXX XXXX ( also reported as XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  Despite valid identity theft notices, the above account continues to be reported on my TransUnion filea clear violation of : Federal Laws Violated ( FCRA & FDCPA ) 1. 15 U.S.C. 1681c-2 ( a ) ( 4 ) Mandatory block of identity theft information within 4 business days upon receiving an Identity Theft Report. You failed to do so.

2. 15 U.S.C. 1681i ( a ) Duty of CRAs to reinvestigate disputes within 30 days. TransUnion did not reinvestigate.

3. 15 U.S.C. 1681s-2 ( b ) Furnishers obligation to investigate and correct disputed information. XXXX XXXX ignored it. 
4. 15 U.S.C. 1681e ( b ) CRAs must use reasonable procedures to ensure maximum accuracy. TransUnion failed this duty.

5. 15 U.S.C. 1692e & 1692f FDCPA prohibits false, deceptive, or unfair collection and reporting when debt is identity theft. XXXX XXXX violated both. 
6. 15 U.S.C. 1692g Debt collectors must validate disputed debts and cease collection efforts. No such validation occurred.

7. 15 U.S.C. 1681n & 1681o Statutory and actual damage remedies available.

8. 15 U.S.C. 1692k FDCPA allows up to {$1000.00} in statutory damages per proceeding, plus actual damages and attorneys fees.

Arizona Laws Violated 1. A.R.S. 44-1694 & 44-1695 Requires correction of inaccurate information and furnisher accuracy.

2. A.R.S. 44-1698.01 Defines identity theft and prohibits extending credit without verifying identity or confirming the credit request is not fraud. Direct violation.

3. A.R.S. 44-1522 Arizona Consumer Fraud Act forbids deceptive or unfair business practices. The continued reporting is deceptive and unfair.

Washington Laws Violated 1. WAC RCW 19.182.160 CRAs must block identity theft data within 30 days of proof. TransUnion failed to do so.

2. RCW 19.182.170 Consumers may secure a security freeze. Not honored.

3. RCW 19.16.250 Debt collectors may not attempt collection when notified of identity theft. XXXX XXXX breached this. 
4. RCW 19.86.020 ( Consumer Protection Act ) Prohibits deceptive practices in trade or commerce. Violated by both entities.

Intent to Sue If demands are not met within 15 calendar days, I will file a civil lawsuit under : FCRA, FDCPA Arizona Consumer Credit Reporting & Fraud statutes Washington FCRA and Consumer Protection statutes I will seek statutory damages, actual damages ( credit denial, XXXX XXXX XXXX, punitive damages, attorneys fees, costs, and injunctive relief. 

Note : Removal of this account does not nullify accrued liability for these egregious statutory violations.

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