Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
* * Consumer Financial Protection Bureau * * * * XXXX  XXXX XXXX * * * * XXXX  XXXX, IA XXXX * * * * Date : XX/XX/year> * * * * Re : Formal Complaint Against TransUnion for Willful FCRA Violations, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Conspiracy to Defraud ( File # XXXX, # XXXX, # XXXX, # XXXX ) * * To Whom It XXXX Concern : I am escalating this urgent complaint against * * TransUnion * * for * * fraudulent credit reporting, perjury to XXXX XXXX, and deliberate sabotage of my credit file * * in violation of the * * Fair Credit Reporting Act ( FCRA ), XXXX XXXX  XXXX et seq. * *, the * * XXXX XXXX XXXX XXXX ( XXXX ) * *, and * * California XXXX law * *. 

# # # * * XXXX. XXXX COMMITTED PERJURY TO THE XXXX XXXX XXXX * * On * * [ Date ] * *, TransUnion * * knowingly lied in writing * * to the * * California XXXX XXXX XXXX * *, falsely claiming : - * * '' No negative information '' * * exists on my TransUnion report. 
- * * I " XXXX be confusing TransUnion with other bureaus. " * * * * This is perjury. * * At the time of their response, TransUnion * * had already deleted and re-inserted * * the fraudulent * * XXXX XXXX XXXX XXXX  * ( as proven by * * File # XXXX, # XXXX * * ) and the * * XXXX accounts ( re-inserted XXXX  times in 2025 ) * *. 

* * This proves : * * * * TransUnion intentionally misled a state official. * * * * They concealed their fraudulent re-insertion practices. * * * * They violated XXXX ( b ) ( failure to maintain accuracy ) and XXXX ( willful noncompliance ). * * # # # * * XXXX. XXXX CONFIRMED IN WRITING THE XXXX WAS REMOVED ( XX/XX/year> ) THEN RE-INSERTED IT * * - * * XX/XX/year> * * : I received an * * official letter from TransUnion * * ( uploaded to their portal ) * * confirming the bankruptcy was removed due to XXXX XXXX actions ( File # XXXX ). * * - * * XX/XX/year> * * : * * XXXX XXXX re-inserted it * * after whispering, * '' I dont see it. " * - * * XX/XX/year> ( XXXX PM PST ) * * : * * XXXX XXXX deleted it again ( File # XXXX ). * * * * This is not an errorit is sabotage. * * # # # * * XXXX. XXXX CONFIRMED NO XXXX  EXISTS XXXX IGNORED PROOF * * - * * XX/XX/year> * * : * * XXXX * * ( TransUnions * * own data provider * * ) sent me a letter * * confirming NO public records, NO bankruptcy, and NO derogatory information * * on my file. 
- * * Since XX/XX/year> * *, I have * * submitted this proof * * to TransUnion * * via : * * - * * Certified mail * * - * * Online disputes * * - * * Special Handling Department calls * * - * * TransUnion continues reporting a bankruptcy that XXXX confirms DOES NOT EXIST. * * * * This violates : * * * * XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a proper reinvestigation * * * * XXXX ( b ) Failure to follow reasonable procedures * * * * XXXX ( a ) ( XXXX ) ( A ) Duty to correct inaccuracies * * # # # * * XXXX. THE XXXX FRAUDULENT ACCOUNTS RE-INSERTED XXXX  TIMES IN 2025 * * - These accounts * * keep disappearing and reappearing * * despite : - * * FTC Identity Theft Reports * * - * * Police Reports * * - * * Multiple disputes * * - TransUnion * * blames creditors * *, yet * * their own supervisors ( XXXX, XXXX, XXXX ) have deleted them manually. * * * * This is willful defamation under XXXX ( XXXX ). * * # # # * * XXXX. DEMAND FOR IMMEDIATE ACTION * * Pursuant to * * XXXX ( Willful Noncompliance ), XXXX ( Negligent Noncompliance ), and California XXXX XXXX XXXX ( a ) * *, I demand : XXXX. * * Permanent deletion * * of all fraudulent items ( bankruptcy, XXXX accounts ). 
XXXX. * * A formal investigation * * into TransUnions * * XXXX XXXX Department * * for * * fraud and perjury * *. 
XXXX. * * Statutory damages of {$3000.00} per violation * * under * * XXXX * *. 
XXXX. * * Punitive damages * * for * * emotional distress and defamation * *. 
XXXX. * * CFPB sanctions * * for * * unfair, deceptive, and abusive practices * *. 
XXXX. * * A written retraction * * sent to the * * California XXXX XXXX  * * admitting TransUnions false statements. 

# # # * * XXXX. SUPPORTING EVIDENCE ( ATTACHED UPON REQUEST ) * * - * * TransUnions XX/XX/year> deletion letter ( File # XXXX ) * * - * * XXXX XX/XX/year> letter ( no bankruptcy on file ) * * - * * California XXXX response ( TransUnions perjury ) * * - * * FTC & police reports ( XXXX fraud ) * * - * * Call logs ( XXXX, XXXX, XXXX, XXXX ) * * * * This is a deliberate scheme to defraud consumers. * * I demand immediate action within * * XXXX  days * * or will pursue * * further legal remedies, including a federal lawsuit. * * * * Sincerely, * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) 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