Consumer complaint received 2025-09-28 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: MS

Complaint narrative:
XXXX TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL To : TransUnion LLC XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts, Cease-and-Desist, and Notice of Preservation of Evidence Dear Supervisor, I, XXXX XXXX XXXX, respectfully submit this letter to dispute the reinsertion and continued reporting of fraudulent accounts and inquiries on my credit file. This matter has already been investigated by TransUnion and previously resolved through deletions. 

On XX/XX/XXXX, I spoke with Supervisor XXXX in the Fraud Dispute Department ( Pennsylvania ), who confirmed that once fraudulent accounts are deleted, they can not be reinserted unless certified proof is provided by the furnisher and written notice is issued to the consumer pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The current reinsertions appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and place an undue burden on me as a consumer. Furthermore, the creditors and furnishers associated with these accounts have failed to provide verifiable proof of ownership of the alleged debts or a proper chain of custody of assignment, which are required to demonstrate lawful standing before reporting or collecting. 



XXXX. Identity Theft Report & Prior Deletions I filed an FTC Identity Theft Report and submitted it to TransUnion with supporting documentation. Following review, TransUnion deleted the fraudulent accounts on XX/XX/XXXX. 



XXXX. Fraudulent Accounts & Inquiries ( Reinserted or Currently Reporting ) Fraudulent Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$15000.00} XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | High Balance : {$7500.00} XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | High Balance : {$33000.00} XXXX XXXX Acct XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} | High Credit : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX | Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Updated : XX/XX/XXXX | Balance : {$35000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance : {$5100.00} XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Updated : XX/XX/XXXX | Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Balance : {$4900.00} Fraudulent InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Legal Grounds for Removal Unauthorized Accounts : I have not applied for, signed, or entered into agreements for these accounts. 
FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information.

Reinsertion Restrictions : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted information can not be reinserted without proper certification and consumer notification.

Fraud Block Requirement : Under 15 U.S.C. 1681c-2, once identity theft is reported and verified, consumer reporting agencies must block fraudulent data from reappearing.

Reasonable Procedures Obligation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Consumer Definition : As defined in 15 U.S.C. 1681a ( 2 ) ( xi ), I am a consumer entitled to all protections under the FCRA.

Debt Collection Communications : To the extent any of these fraudulent accounts have been placed for collection, I invoke my rights under 15 U.S.C. 1692c to restrict unlawful communications and under 15 U.S.C. 1692g to demand proper debt validation.

Proof of Ownership & Chain of Custody : Courts and statutes require creditors and debt collectors to prove ownership of the debt and demonstrate a valid chain of assignment before collection or reporting. See In re Veal, 450 B.R. 897 ( B.A.P. 9th Cir. 2011 ) ( creditor must prove it owns the debt before enforcement ), Clark v. Capital Credit & Collection Servs., Inc. , 460 F.3d 1162 ( 9th Cir. 2006 ) ( failure to provide competent evidence of debt ownership violates federal law ), and Jarman v. Carlisle, 865 F. Supp. 2d 633 ( N.D. Tex. 2012 ) ( failure to establish chain of assignment undermines standing ).

UCC Article 3 Holder-in-Due-Course Requirement : Under U.C.C. 3-301, only a person entitled to enforce an instrument may claim enforcement rights, and under U.C.C. 3-203 ( b ), a transferee can not acquire rights greater than those held by the transferor unless valid negotiation is proven. Thus, without presenting the original instrument and chain of endorsements, creditors lack standing to enforce or report the debt.

Right of Rescission : Pursuant to 15 U.S.C. 1635, I further reserve the right to rescind any alleged consumer credit transaction for which my signature or authorization was fraudulently used.

4. Case Law Supporting Liability Courts have consistently held TransUnion accountable for failing to prevent reinsertion or reporting false data, including : TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX TransUnion LLC, XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) XXXX v. TransUnion LLC, No. XXXX ( S.D. XXXX. XXXX ) XXXX. Requests for Immediate Action I respectfully request that TransUnion : 1. Cease and desist from reporting, reinserting, or distributing fraudulent accounts and inquiries.

2. Permanently delete and block the fraudulent data, including any associated addresses. 
XXXX. Correct and update my consumer file and notify all third parties who received inaccurate information. 
XXXX. Provide written confirmation of compliance within XXXX ( XXXX ) calendar days of receipt of this notice. 



XXXX. Notice of Preservation of Evidence This letter serves as a formal Notice of Preservation of Evidence. TransUnion, and any furnishers or creditors connected to the accounts listed above, are hereby instructed to preserve all records, contracts, applications, communications, chain of title, assignments, and account-level documentation relating to these disputed debts. 

This includes, but is not limited to : Original signed contracts or credit applications.

Complete payment histories.

Any assignments, transfers, or sales of the debt ( including all endorsements ).

Communications between TransUnion and furnishers regarding these accounts.

Any documentation provided to justify reinsertion.

Failure to preserve this evidence may be construed as spoliation and will be grounds for legal sanctions, adverse inference in court, and claims for damages. 



XXXX. Enclosures FTC Identity Theft Report Copy of government-issued ID & SSN verification Prior dispute correspondence 8. Notice of Remedies If this matter is not resolved, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office. I also reserve the right to pursue legal remedies, including statutory, compensatory, and punitive damages under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Uniform Commercial Code, and other applicable laws. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Email : XXXX 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 non-monetary relief