Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
Subject : Complaint Regarding TransUnion Data Breach and Request for Deletion of Negative Information Under FCRA, FDCPA, and Related Consumer Protection Laws. 

I am submitting this formal complaint regarding the recent data breach at TransUnion, and I am requesting the removal of all negative items from my TransUnion credit file due to violations of federal consumer protection laws. 

As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, the Gramm-Leach-Bliley Act ( GLBA ), and the Federal Trade Commission Act ( FTC Act ). TransUnion 's failure to protect my personal and financial information constitutes a breach if their legal obligations under these statutes.

1. FCRA 15 U.S.C.1681e ( b ) -Failure to Maintain Accuracy & Security TransUnion is required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Due to the breach, the reliability and accuracy of the data they maintain is now in question. Continuing to report derogatory or negative items under these conditions violates this provision. 
2. FCRA 15 U.S.C. 1681c- Reporting of Obsolete Information Any inaccurate, outdated, or unverifiable information especially information compromised in a data breach must be deleted or corrected.

3.FCRA 15 U.S.C. 1681b -Permissible Purpose If third parties accessed or used my credit file without a permissible purpose due to breach, TransUnion may have allowed unlawful access to my credit report.

4. FDCPA 15 U.S.C 1692e -False or Misleading Representations If any of the negative items were placed by debt collectors using compromised or outdated information, this may also violate provisions of the FDCPA that prohibit the use of false deceptive, or misleading practices in the collection of a debt.

5. GLBA- Failure to Safeguard Consumer Data Under the Gramm-Leach-Bliley Act, TransUnion has a legal obligation to protect consumer financial data. Their failure to implement and maintain adequate safeguards is a clear violation of this requirement.

6. FTC Act ( Section 5 ) - Unfair and Deceptive Practices The Federal Trade Commission prohibits unfair or deceptive acts or practices in commerce. TransUnion 's breach and continued reporting of potentially compromised information meets this threshold.

Pursuant to my rights under the above-referenced laws, I respectfully request that the CFPB investigate the following : 1. Immediate deletion of all negative items reported by TransUnion, including but not limited to : Late payments Collections Charge-offs Derogatory marks.

2. An inquiry into whether FCRA, FDCPA, GLBA, and FTC Act, in connection with this data breach and the reporting of inaccurate or unverifiable negative information.

3. That TransUnion be required to cease the reporting of any and all negative items that may have been affected by the breach or that can not be independently verified as accurate. 
I appreciate your attention to this matter and look forward to a prompt resolution that protects my consumer rights under federal law.

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