Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX * * Re : * * Final Notice : * * IMMEDIATE REMOVAL * * of Fraudulent Accounts or Full Disclosure of Verification Under * * 15 U.S.C. 1681c-2 * * To Whom It May Concern : * * I am formally demanding one of two actions under the Fair Credit Reporting Act ( FCRA ) : * * 1. * * Immediate deletion of the fraudulent accounts listed below * * under * * 15 U.S. Code 1681c-2 * *, or 2. * * Full disclosure of your method of verification, steps taken to investigate, and legally admissible proof of debt * * under * * 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) * *. This is my * * third and final dispute * *. 
Your prior failures to comply with federal law have left me no choice but to escalate this matter to regulatory agencies and federal court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts Demanding Removal : * * 1. * * XXXX XXXX XXXX ( Account # XXXX ) * * - * * Status : * * Fraudulent charge-off ( {$1000.00} ) - * * Violation : * * Opened without my knowledge, consent, or benefit. 
2. * * XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : * * Fabricated collection with no contractual basis. 
3. XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX  ) * XXXX XXXX XXXX XXXX Violation : * * Fraudulent late payments and inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Loan, Acct # XXXX XXXX XXXX XXXX XXXX XXXX  - Status : Collection account / Seriously past due - * * Demand * * : Disclose how this utility debt was validated as mine. OR DELETE IMMEDIATELY XXXX .XXXX XXXX XXXX XXXX XXXX XXXX Collection, Acct # XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) : A fabricated collection linked to " XXXXXXXX XXXX XXXX' with no contractual basis. 
Confirm investigation steps and provide verification. AND DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX - Lease, Acct # XXXX Explain how this alleged debt was verified. With METHOD OF VERIFICATION OR DELETE IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : # XXXX  ) XXXX XXXX - Status : 90 days past due - * * Demand * * : Explain how this alleged debt was verified. With METHOD OR DELETE IMMEDIATELY 9. XXXX XXXX XXXX - XXXX Loan, Acct # XXXX - Status : Charge-off / Payment after charge off - * * Demand * * : Disclose investigation steps taken to confirm legitimacy. 

* * Legal Basis for Immediate Action : * * 1. * * 15 U.S. Code 1681c-2 ( b ) ( 1 ) ( E ) * * : Requires XXXX  to * * block and remove identity theft-related accounts within 4 business days * * of receiving : - A valid identity theft report ; - Identification of fraudulent accounts ; - A sworn statement that the debt is not mine. * Your failure to comply violates this statute. * 2. * * 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) * * : If you claim these accounts are valid, you * * must provide : * * - * * Method of verification * * : Detailed explanation of how you confirmed the accounts accuracy. - * * Steps of verification * * : Documentation of communications with furnishers, including dates, names, and summaries. - * * Proof of debt * * : A signed contract, transaction history, or other evidence legally binding me to these accounts. 3. * * 15 U.S. Code 1681e ( b ) * * : Mandates " maximum possible accuracy '' in reporting. These accounts are * * patently false * *. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Final Demand : * * * * You have 4 BUSINESS DAYS from receipt of this letter to : * * 1. * * Delete all disputed accounts * * and provide written confirmation of removal, * * OR * * 2. * * Provide the following documentation : XXXX XXXX XXXX XXXX XXXX XXXX signed contract * * or agreement linking me to these accounts. - * * Itemized transaction history * * proving I authorized or benefited from these debts. - * * Verification logs * * detailing your investigation process ( e.g., correspondence with furnishers ). - * * Identity verification records * * confirming I opened these accounts. * * Failure to comply will result in : * * - * * Immediate complaints * * to the * * CFPB, FTC, DOJ, and Texas Attorney General * * for willful FCRA violations. - * * Litigation under 1681n * * seeking * * {$1000.00} PER VIOLATION * *, punitive damages, and attorney fees. - * * Public exposure * * of TRANSUNION unlawful practices via media and consumer rights organizations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice of Willful Non-Compliance : * * If you reinsert these accounts without strict adherence to * * 1681i ( a ) ( 5 ) ( B ) ( i ) * *, you will face additional penalties of * * {$4000.00} PER VIOLATION * * under * * 1681s-2 * *. * * This is your final opportunity to resolve this matter. The burden of proof lies entirely with TRANSUNION. XXXX XXXX XXXX XXXX Enclosed : * * - Copy of my * * identity theft report * * ( FTC Affidavit/Police Report Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Consumer Financial Protection Bureau | Federal Trade Commission |

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