Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Demand for Credit File Correction Due to Data Breach Violations & FCRA Non-Compliance To Whom It May Concern, I am writing to formally dispute inaccurate, fraudulent, and unlawfully reported information on my credit file, which I believe has been compromised due to recent large-scale data breaches, including those involving XXXX XXXX  companies XXXX XXXX XXXX XXXX XXXX XXXX other XXXX ). My personal and financial data has been exposed, misused, or sold without consent, leading to fraudulent credit reporting. 

Legal Basis for Demand Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

1681e ( b ) CRAs must maintain reasonable procedures to ensure maximum accuracy.

1681i CRAs must investigate disputes and delete unverifiable, outdated, or fraudulent entries.

1681c Negative items older than 7 years must be removed.

Data Breach & Privacy Violations Federal Trade Commission Act ( FTC Act, 15 U.S.C. 45 ) Unfair/deceptive practices in data security.

State Data Breach Laws ( e.g., XXXX XXXX XXXX XXXXXXXX XXXX ) Failure to protect consumer data. 
XXXX XXXX ( XXXX ) XXXX institutions must safeguard sensitive data. 
Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 ) Prohibits unfair, deceptive, or abusive acts in consumer financial services. 
Evidence of Data Breach Impact Recent breaches ( including those linked to XXXX XXXX companies ) have exposed : Social Security Numbers Credit histories Banking/financial details Personally Identifiable Information ( PII ) This has led to unauthorized accounts, incorrect credit reporting, and identity theftall of which violate my rights under FCRA and data protection laws.

Aggressive Demands Immediate Deletion of All Fraudulent/Inaccurate Items If the CRAs can not provide signed contracts, verification of debt, or proof of lawful reporting, the items must be removed permanently. 
Investigation into Data Breach Links I demand the CFPB investigate whether my credit file was altered due to breaches involving XXXX XXXX companies or other third parties. 
Cease Reinsertion of Disputed Data Per 1681i ( a ) ( 5 ), reinsertion of deleted data requires certification of accuracyfailure to do so is willful non-compliance.

Written Confirmation of Corrections I require a revised credit report and a detailed explanation of all changes made.

Failure to Comply Will Result in Legal Action If the CRAs and/or data furnishers fail to correct these violations, I will pursue : CFPB & FTC complaints State Attorney General lawsuits Private legal action under FCRA ( up to {$1000.00} per violation + punitive damages ) Class-action eligibility if this breach affected multiple consumers Attached Documentation Copy of credit report ( highlighting fraudulent/inaccurate items ) Evidence of prior disputes ( if any ) Any proof of data breach exposure ( if applicable ) This letter serves as official notice. I expect confirmation of corrective action within 30 days, as required by law. 

Sincerely, 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 explanation