Consumer complaint received 2025-07-07 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : FORMAL NOTICE OF INTENT TO SUE FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern : This letter serves as a formal notice of intent to file suit against TransUnion LLC for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681i ( a ), 1681g ( c ), 1681n, and 1681o. 

On XX/XX/XXXX, I submitted a written request via the Consumer Financial Protection Bureau ( CFPB ) demanding the Method of Verification ( MOV ) for the XXXX  or XXXX  credit card account being reported on my TransUnion credit file. A copy of this request is attached to this letter. This account is fraudulent and was opened without my knowledge or authorization. I have disputed this account on several occasions, submitting : A completed Identity Theft Affidavit Proof of my involvement in the Equifax data breach A statement confirming that my mail was unlawfully redirected Documentation of multiple unauthorized accounts opened in my name Despite my detailed submissions and disputes, TransUnion has continued to report this fraudulent account. You have also failed to respond with the requested MOV within the XXXX-day period required by law, a clear violation of the FCRA.

Legal Obligations Under Federal Law : Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), a credit reporting agency must, within 15 days of receiving a consumers request, provide : A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 

This deadline expired on XX/XX/XXXX, and no such verification has been provided. 

Further, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a consumer reporting agency can not verify the accuracy of disputed information, the item must be deleted from the consumers file : If the reinvestigation finds that the information is inaccurate or incomplete or can not be verified, the information shall be promptly deleted... 

As of today, you have failed to provide the MOV for this account, as required by federal law. Accordingly, this XXXX account must be deleted from my credit report immediately. Your failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

Relevant Case Law : Federal courts have routinely found in favor of consumers in similar matters. In Richardson v. Equifax Info. Servs., LLC , 2006 WL 3499822 ( E.D . Tex. 2006 ) and Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the courts held that failure to verify or delete disputed information constitutes a violation of the FCRA and warrants damages. 

DEMAND FOR IMMEDIATE ACTION : Given the facts and legal basis outlined above, I am demanding the following : Immediate deletion of the XXXX credit card account from all of my credit reports maintained by TransUnion ; Written confirmation of this deletion within XXXX ( XXXX ) business days of receipt of this letter ; Since you are unable to provide the MOV as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) you must delete this account from my credit report immediately.. 

Failure to comply with this demand will result in the initiation of a civil lawsuit in federal court seeking : Actual damages for financial harm and emotional distress Statutory damages of up to {$1000.00} per violation Punitive damages for willful noncompliance Attorneys fees and court costs This letter serves as your final notice before legal action is taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Missouri XXXX Enclosures : Identity Theft Affidavit CFPB and FTC Recommendations on Handling Identity Theft Disputes Copy of XX/XX/XXXX MOV Request Filed via CFPB

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