Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
XXXX Trans Union XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File Number : XXXX Date Created : XX/XX/XXXX Subject : Updated Dispute of Fraudulent Accounts and Inquiries RE : Demand to Cease and Desist ; Request for Immediate Deletion of Fraudulent Account Information Pursuant to Federal Law To Whom It May Concern : I, XXXX XXXX XXXX, am formally notifying TransUnion of unauthorized, inaccurate, and fraudulent accounts and inquiries appearing on my credit report. This letter constitutes a Demand to Cease and Desist, as well as a Request for Immediate Deletion of all erroneous information pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Identity Theft Report and Dispute Notification I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) in accordance with 15 U.S.C. 1681g ( e ) and have submitted disputes to TransUnion, Equifax, and Experian. The following accounts were fraudulently opened without my knowledge or consent : ACCOUNTS WERE JUST DELETED THIS MONTH, BY CREDITOR AND TRANSUNION. 
Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion XXXX XXXX XXXX. Fraudulent Accounts 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 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 XXXXXX/XX/XXXX _____ These accounts were removed from my credit report on XX/XX/XXXX and XXXX, XXXX, as documented in the report created on XX/XX/XXXX ( File Identification Number : XXXX ) provided by TransUnion XXXX XXXX XXXX However, because the creditors were not blocked, the same accounts reappeared on my report on XX/XX/XXXX. 

_____ 3. Legal Grounds for Removal The continued reporting of these fraudulent accounts violates federal law on several grounds : Lack of Authorization : No legally binding contract or agreement bearing my signature exists for any of these accounts. 
Absence of Legal Documentation : No documentation supports a legal obligation between me and these entities. 
Violation of FCRA : XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), reporting information known to be inaccurate is strictly prohibited. You are further required to conduct a reasonable investigation under XXXX XXXX. XXXX upon notice of dispute. 



XXXX. Precedent and XXXX XXXX TransUnion has been found liable in multiple federal cases for failing to comply with FCRA : TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX TransUnion LLC, XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) XXXX v. TransUnion LLC, No. XXXX ( S.D. XXXX. XXXX ) These cases clearly establish your duty to ensure the accuracy and integrity of consumer data and to act swiftly upon notice of dispute. 



XXXX. XXXX Demands You are hereby instructed to : 1. Cease and desist all reporting, collecting, and communication regarding the listed accounts.

2. Delete all data related to these accounts from your systems.

3. Notify all credit bureaus of the deletions and corrections.

4. Cease dissemination of my personal data without written consent.

5. Provide written confirmation of these actions within five ( 5 ) calendar days.

6. Enclosed Supporting Documentation FTC Identity Theft Report Supporting Evidence of Dispute and Inaccuracy 7. Notice of Legal Remedies Failure to respond or comply will result in : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office.

Civil litigation seeking statutory, punitive, and compensatory damages, including attorneys fees, under FCRA and FDCPA statutes. 


Below is the result of the dispute recently, had these accounts been blocked, Cease and desist they wouldnt have reappeared. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX INVESTIGATION RESULTS- DELETED : The disputed item ( s ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
ALL IN CREDIT UNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX INVESTIGATION RESULTS- DELETED : The disputed item ( XXXX ) was removed from your credit report. 

In response to your dispute, this item was DELETED from your credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Sincerely, 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