Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSSN  last 4 digits :XXXXn\XXXX\n\nTo:\nTransUnion LLC\nConsumer Dispute Center\XXXX XXXX XXXX XXXX XXXXn\nRe: Demand for Permanent Deletion of Inaccurate/Compromised\nInformation Due to Data Breach & FCRA Violations\n\nTo Whom It May Concern,\nI am writing regarding my consumer file maintained by your agency. This correspondence\nis submitted pursuant to the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.) in\nconnection with the recent data breach, which placed consumer filesincluding mineat\nrisk of compromise, inaccuracy, and misuse.\nThe breach in question directly undermines your statutory duties under:\n- FCRA  607(b): Requiring consumer reporting agencies to follow reasonable procedures to\nassure maximum possible accuracy.\n- FCRA  611(a)(1)(A): Mandating that disputes be reinvestigated in good faith and\ninaccurate information promptly deleted.\n- FCRA  605A &  605B: Requiring consumer file protections in cases of suspected\ncompromise, fraud, or identity misuse.\nBecause your systems have failed to safeguard consumer data, the accuracy and reliability\n\nof any negative, disputed, or unverifiable items in my file are irreparably compromised.\nUnder federal law, such items can no longer be reported as accurate.\nAccordingly, I demand the immediate and permanent deletion of the following\ncompromised and unverifiable items from my file:\n\XXXX XXXX XXXX XXXX XXXX\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nLate payments 30+days - 23\nLate payments 30 days+ days older than past year - 13\nLate payments 30+ days in past year - 10\nLate payments 60+ days - 15\n\nFailure to comply will constitute:\n- Willful noncompliance under FCRA  616, exposing your agency to statutory and punitive\ndamages.\n- Negligent noncompliance under FCRA  617, exposing your agency to liability for actual\ndamages.\n- Violations of the Credit Repair Organizations Act (CROA), 15 U.S.C.  1679b, should any\ndeceptive statements be made regarding the accuracy or security of my file.\nDemand for Written Confirmation\nI require written confirmation of the deletions within 30 days of your receipt of this letter. If\ninstead you attempt to verify any items, you must provide:\n1. A full description of the reinvestigation methodology; and\n2. Copies of all documentary evidence relied upon.\nReliance on automated e-OSCAR code exchanges will be deemed insufficient and\nnoncompliant.\nIf this matter is not resolved, I will escalate immediately by filing formal complaints with the\nConsumer Financial Protection Bureau (CFPB), my State Attorney General, and by pursuing\na private right of action in federal court.\nI expect full compliance with this demand.\nRespectfully,\n\nJerfrid Volny'

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