Consumer complaint received 2025-05-31 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: MI

Complaint narrative:
XXXX XXXX XXXX Chair, FederalTradeCommission XXXX ActingComptrolleroftheCurrency Subject : UnconditionalDemandforImmediate, CompleteDeletionofFraudulentInquiryfromAllCreditReportsFederalStatutoryViolations, LegalPenalties, BindingCaseLaw, andDoctrinalMandates in CanonLaw, XXXX, XXXX, and the XXXX FTCIdentityTheftReportNumber:XXXX  To the PrivacyCompliance Department and all responsible parties for the following fraudulent inquiry : XXXX inquiry This letter is a firm and irrevocable demand for the immediate, permanent deletion and complete removal of all information concerning the abovereferenced fraudulent inquiry from my credit reports with XXXX XXXX, and TransUnion. The continued presence of this inquirydespite clear documentation proving it originated from identity theft ( FTCIdentityTheftReportNumberXXXX ) violates multiple federal statutes, binding case law, and core principles of XXXX, XXXX, XXXX, and the XXXX. This communication leaves no room for negotiation. These doctrines universally condemn the perpetuation of falsehoods, demand immediate remedy for unjust harm, and establish the obligation of truth and integrity in all dealings. Each section herein presents exhaustive statutory citations, caselaw support, and doctrinal analysis to justify immediate deletion.

Federal Violations under the Fair Credit Reporting Act ( FCRA ) a. MaximumPossibleAccuracy Requirement15U.S.C.1681e ( b ) Penalty : $ XXXX. 
Violation by the fraudulent inquiry listed above : Despite my dispute and FTC identitytheft report, the inquiry remains on my file, misrepresenting my credit application history and causing measurable harm. Supporting case law : Cushmanv.TransUnionCorp.,115F.3d220 ( 3dCir.1997 ). CanonLaw foundation : Canon220 ( No one may unlawfully harm the good reputation which a person enjoys ). Statutory penalty calculation : {$3000.00}.

b. Prohibition on Outdated Adverse Information15U.S.C.1681c ( a ) ( XXXX ) Penalty : $ XXXX. 
The inquiry is inaccurately dated, effectively reaging adverse information. Supporting case law : Millerv.WellsFargo & Co.,2018WL1578440 ( N.D.Cal.Mar.302018 ). CanonLaw/Biblical principle : Canon2211 and Proverbs11:1. Statutory penalty calculation : {$2000.00}. 

c. Failure to Investigate Disputed Information15U.S.C.1681i Penalty : $ XXXX. 
No goodfaith investigation followed my dispute for this inquiry. Supporting case law : Cortezv.TransUnion, LLC,617F.3d688 ( 3dCir.2010 ). CanonLaw mandate : Canon2212 ( right to defend ones good name ). Statutory penalty calculation : {$3000.00}. 

d. Knowingly Reporting False Information15U.S.C.1681s2 ( a ) Penalty : $ XXXX. 
The inquiry continues to be reported after receipt of incontrovertible evidence of fraud. Supporting case law : XXXXannieMae,912F.3d1192 ( 9thCir.2019 ). CanonLaw foundation : Canon220 ; Canon2231. Statutory penalty calculation : {$3000.00}. 

Total FCRA penalty exposure : {$11000.00}. 

Additional Violations under the Truth in Lending Act ( TILA ) Misrepresentation of the fraudulent inquiry violates TILAs transparency mandates. CanonLaws insistence on truth and restitution ( Canon220, Canon221 ) reinforces these statutory requirements.

Final Demand In light of the above federal statutes, enforceable penalties, binding case law, and CanonLaw doctrines of justice and restitution, I demand the immediate and permanent deletion of the fraudulent CAPITALONE inquiry from every consumerreporting database. Noncompliance will result in formal complaints to the FTC, CFPB, OCC, and the Michigan Attorney General, as well as civil litigation seeking monetary damages. Total statutory penalty exposure to date : {$33000.00}.

I expect written confirmation of deletion within 15days of your receipt of this notice.

Respectfully submitted,

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