Consumer complaint received 2025-06-22 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: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Final Legal Demand Cease Reporting of Fraudulent XXXX XXXX XXXX  Account / Method of Verification and Debt Validation Required To Whom It May Concern : This letter serves as my final legal dispute and formal demand for the immediate removal of a fraudulent XXXX XXXX XXXX  account currently being reported on my TransUnion credit report. I have previously notified you of this fraud and submitted sufficient documentation consistent with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite this, the account continues to be reported inaccurately as verified and valid, which is false, unsupported, and illegal. 

I am a victim of the XXXXXXXX XXXX XXXX, which compromised my personal information. Following this breach, multiple unauthorized accounts were fraudulently opened in my name, including the XXXXXXXX XXXX XXXX  account referenced in this dispute. Additionally, I experienced unauthorized mail diversion, which prevented me from receiving critical account and verification notices. I have provided an official identity theft report and other supporting documents proving that I did not authorize or open this account. 

I. TransUnions Use of e-OSCAR or Furnisher Confirmation Is Not a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a reasonable reinvestigation when a consumer disputes an account. Relying solely on automated e-OSCAR responses or unverified claims from XXXX does not satisfy this obligation. 

Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRAs must do more than merely parrot information received from other sources. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Agencies must independently verify disputed data and not merely rely on the word of the furnisher. 

If your reinvestigation of this XXXX account consisted solely of forwarding my dispute and accepting XXXX 's unsubstantiated response, then you are in willful violation of the FCRA. 

II. Demand for Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Under the FCRA, I am legally entitled to receive the method of verification. I hereby demand : A full explanation of the procedures you used in the reinvestigation ; The name, title, and department of the person at XXXX who verified the account ; The date and time of each communication between you and XXXX ; All documents used to support the continued reporting of the account. 

Most importantly, I demand a copy of the original signed credit card application, whether executed by wet ink or a verifiable digital signature. If you or XXXX can not produce this document, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to promptly delete the account. 

III. Debt Validation Demand FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) If any debt collector is involved with this XXXX  account, I also demand full validation under the Fair Debt Collection Practices Act : Identification of the original creditor ( XXXX  ) ; A full breakdown of the amount allegedly owed ; A signed contract or application showing I authorized the account ; Legal documentation showing the collectors or XXXX  right to report or collect on the alleged debt. 

Absent complete validation, all reporting and collection must cease immediately. 

IV. Identity Theft Report and Your Legal Obligation to Block 15 U.S.C. 1681c-2 ( a ) I previously submitted an FTC Identity Theft Report, and I am resubmitting it with this letter. Per 15 U.S.C. 1681c-2 ( a ), TransUnion must block the reporting of fraudulent items within 4 business days of receiving such notice.

In XXXX v. XXXX, the court ruled that upon receiving a proper identity theft report, a CRA must block the informationeven if the furnisher insists the account is valid. Your continued reporting of the XXXX account violates this provision. 

V. Final Notice Before Legal Action If you fail to comply within 7 calendar days of receiving this notice, I will take the following actions : File a civil suit for willful noncompliance under 15 U.S.C. 1681n, Sue for negligent noncompliance under 15 U.S.C. 1681o, and Pursue additional claims under the FDCPA 15 U.S.C. 1692k.

Furthermore, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Let me remind you of the case In re XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX ), where XXXX  paid {$570.00} XXXX for violations tied to data handling and consumer reporting. 

VI. My Legal Demands To resolve this matter without further legal escalation, I demand that TransUnion : Immediately delete the fraudulent XXXX XXXX XXXX account ; Provide a complete method of verification of the account ; Provide full debt validation documentation if a third-party collector is involved ; Send me written confirmation of the account 's deletion ; Assure that this item will not be reinserted unless all FCRA reinsertion protocols under 1681i ( a ) ( 5 ) ( B ) are followed. 

Your failure to verify, validate, or block this account leaves you with only one lawful option : delete it.

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Copy of U.S. Passport Recent Utility Bill CFPB Identity Theft Recovery Guide FCRA 605B Summary

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