Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I wish to emphasize that disregarding my dispute constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) ( g ). This section mandates that " if a consumer disputes the completeness or accuracy of any information in their file at a consumer reporting agency, and the agency is directly or indirectly notified by the consumer or a reseller, the agency must, at no cost, conduct a reasonable reinvestigation to verify the accuracy of the disputed information and update its status, or remove it from the file as per paragraph ( 5 ), within 30 days from the date of receiving notice of the dispute. '' Please be informed that any correspondence you send may be used in legal proceedings if the issue remains unresolved during the dispute process.

I am writing to address numerous violations of the Fair Credit Reporting Act ( FCRA ), which necessitate your prompt attention and resolution. The breaches include : 1. * * FCRA Section 607 ( a ) ( 4 ) - Violation of Consumer Privacy Rights : * * My credit report inaccurately lists fraudulent accounts that do not belong to me, infringing on my privacy rights. I alone have the authority to decide what information is private. Therefore, I demand that my hard inquiries and account details not be included in my credit report.

2. * * FCRA Section 623 ( a ) ( 2 ) - False and Misleading Reporting : * * The data being reported erroneously implies that I applied for multiple inquiries and accounts, which were actually the result of identity theft. Such misleading information deceives future creditors. Reporting these unverified items demonstrates non-compliance with FCRA requirements for accuracy and fairness.

3. * * FCRA Section 616 - Civil Liability for Willful Noncompliance : * * You accepted credit information inaccurately without verifying its accuracy firsthand. This willful noncompliance may result in civil liability of up to {$1000.00} per violation.

4. * * FCRA Section 605B - Aggravated Identity Theft : * * My personal information was shared with multiple creditors without my consent, making you criminally liable for aggravated identity theft, which includes a penalty of up to two years imprisonment.

5. * * FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosure Obligations : * * My right to opt-out of sharing personal information was not disclosed, which is deceptive and violates my consumer rights.

6. * * FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : * * Inquiries and accounts were reported inaccurately and without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This conduct is deceptive.

7. * * Violation of Debt Collection Practices Act : * * You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing distress and unsolicited contact from creditors.

8. * * Violation of Identity Theft Laws : * * My information was obtained without my true consent and used fraudulently to get credit from other financial institutions. This constitutes identity theft.

9. * * Violation of Acquiring Location Information Regulations : * * Debt collectors inappropriately disclosed my debt information to third-party credit reporting agencies, which is expressly prohibited.

10. * * Violation of Timely Payments Regulations : * * " Late payments '' were reported inaccurately without a clear definition of what constitutes a late payment, which is deceptive and misleading.

11. * * Violation of Finance Charge Determination : * * There was a failure to accurately determine finance charges, a responsibility squarely placed on you as a credit reporting agency.

12. Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ).

The accounts that were affected are : 1. Account Name : XXXX  XXXX XXXX Date opened : XX/XX/XXXX Account type : Auto Loan Account # XXXX 2. Account name : XXXX XXXX XXXX  Date opened XX/XX/XXXX Account type Auto Loan Accoun # XXXX Balance : XXXX 3. Account name : XXXX XXXX  Date opened : XX/XX/XXXX Account type : Credit Card : Balance : XXXX Account # XXXX 4. Account name : XXXX  Date opened : XX/XX/XXXX Account type : AUTO LOAN : Balance : XXXX Account # XXXX 5. Account name : XXXX XXXX Date opened:XXXX  Account type : Utility Account # :XXXX Balance : {$320.00} 6. Account name : XXXX Date opened : XX/XX/XXXX Account type : Collection Account # XXXX Balance : {$7700.00} 7. Account name : XXXX XXXX Date opened : XX/XX/XXXX Account type : COLLECTION Account # XXXX Balance : {$910.00} 8. Account name : XXXX XXXX Date opened : XX/XX/XXXX Account type : COLLECTION Account # XXXX Balance : {$820.00} 9. Account name : XXXX XXXX  Date opened : XX/XX/XXXX Account type : AUTO LOAN Account # XXXX Balance : {$23000.00} Please consider the gravity of these legal infringements. Ignoring my dispute not only contravenes FCRA stipulations but may further compound legal liabilities. Immediate rectification of these errors is necessary to comply with applicable laws and regulations.

I wish to remind you that any communication sent may be referenced in potential legal proceedings should these issues remain unresolved during this dispute process. Thank you for your prompt attention to these matters.

Remove all fraudulent and inaccurate accounts from my credit report. Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to Pursue legal remedies available under the Fair Credit Reporting Act.

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