Consumer complaint received 2025-03-03 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: NV

Complaint narrative:
This letter is in direct response to your correspondence dated XX/XX/XXXX, regarding my consumer file # XXXX. Let this serve as my FINAL NOTICE and an official DEMAND for immediate and permanent removal of the following fraudulent, inaccurate, obsolete, and unverified accounts from my TransUnion credit report.

As you are well aware, under federal law, you are bound by strict obligations, which TransUnion continues to violate through the reporting of these harmful accounts. You are hereby reminded of your duties under the following statutes and legal precedents : 15 U.S.C. 1681i ( a ) ( 7 ) You are required to reinvestigate disputed information and provide the consumer with written results and supporting documentation. 
15 U.S.C. 1681s-2 ( a ) ( b ) You have a duty to promptly correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so after notice constitutes willful noncompliance. 
18 U.S.C. 1028A Reporting false or unverifiable information may constitute identity fraud, which is a federal crime carrying severe penalties.

Regulation F You must provide a complete chain of ownership and validation of all accounts, including accurate documentation from original creditors and any debt buyers. 
XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) You are required to conduct a reasonable and thorough investigation beyond parroting information from data furnishers. 
XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX at XXXX You are required to act on disputes, reinvestigate thoroughly, and ensure accuracy under the FCRA XXXX 
In accordance with these laws, I am disputing the following accounts and demanding their immediate deletion unless you provide full and independent verification with documented evidence from the original creditors 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are legally disputed on the basis of being inaccurate, unverifiable, obsolete, and/or fraudulent. Continued reporting without lawful verification exposes TransUnion to substantial legal liability.

As required under 15 U.S.C. 1681i, I DEMAND within 30 days : A complete reinvestigation of each disputed account.

Full deletion of any account that can not be verified with original source documentation.

Production of the entire chain of ownership documentation as required under Regulation F.

Written confirmation of all deletions, corrections, and reinvestigation results.

Copies of all documentation relied upon in your investigation.

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