Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
JOINT AND SEVERAL LIABILITY : FORMAL DEMAND FOR IMMEDIATE DELETION AND DAMAGES FOR WILLFUL FCRA VIOLATIONS YOUR COLLECTIVE NEGLIGENCE RESULTED IN WRONGFUL HOUSING DENIAL To the Legal Departments of TransUnion XXXX  and XXXX, This letter is a formal dispute and pre-litigation demand for your grossly negligent, reckless, and illegal actions that have directly caused me severe financial and emotional damages. Your companies are jointly and severally liable for publishing demonstrably fraudulent data, which led to my wrongful denial from housing. 

1. THE FRAUDULENT DATA AND DIRECT HARM Your companies, working in XXXX, produced a SmartMove tenant screening report ( TransUnion Report # XXXX, powered by XXXX XXXX ) that falsely and defamatorily reported eviction records against me for XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

I HAVE NEVER LIVED AT THIS ADDRESS. I have never lived in XXXX, Texas. I have never been a party to any action with XXXX XXXX  XXXX. 

A potential landlord provided me with a copy of your fraudulent report after denying my rental application. Your collective failure has directly made me unhousable. 

2. OVERWHELMING EVIDENCE OF FRAUD & YOUR FAILURE TO VERIFY This is not a simple error. This is a documented crime that your companies were too incompetent or willfully XXXX to catch. The core failure lies with XXXX 's negligent data sourcing. 

Crucially, this fraudulent data has already been removed from other major systems because it was proven to be fabricated. The core TransUnion credit file and XXXX have deleted these same eviction records after my disputes. 

Most damningly, a XXXX Full File Disclosure proved the fraudulent eviction records at XXXX XXXX XXXX were linked to a Social Security Number ending in XXXX. THIS IS NOT MY SOCIAL SECURITY NUMBER. 

XXXX, your company failed the most basic duty of a background screener : you reported a public record against my name without verifying the core identifierthe Social Security Number. You saw a court record with a name and an address and, with reckless disregard for accuracy, you attached it to my file. This is the epitome of negligence. 

TransUnion XXXX, you are equally liable for relying on a data furnisher ( XXXX ) you knew or should have known employs grossly unreasonable procedures. 

3. YOUR WILLFUL AND CONTINUING VIOLATIONS OF THE FCRA Your actions constitute willful violations of the FCRA : Violation of 15 U.S.C. 1681e ( b ) - Failure to Maintain Reasonable Procedures : Both of you lack reasonable procedures to ensure maximum possible accuracy. Reporting an eviction tied to a fraudulent SSN and an address I never lived at is definitive proof of your negligence.

Violation of 15 U.S.C. 1681i - Failure to Conduct a Reasonable Reinvestigation : You have failed to investigate my specific claim of identity theft. The precedent in XXXX XXXX Trans Union XXXX requires more than verifying a name matches ; it requires a meaningful investigation into the consumer 's claims, which you have ignored. 

4. FINAL DEMAND FOR RELIEF AND NOTICE OF INTENT TO SUE You have ten ( 10 ) calendar days from receipt of this letter to comply fully. Failure will result in a federal lawsuit against both companies. 

A. IMMEDIATE CORRECTIVE ACTIONS : PERMANENTLY DELETE all data related to the fraudulent evictions and the XXXX XXXX XXXX address from every database, archive, and system you control. 

ISSUE A FORMAL, WRITTEN RETRACTION to the landlord who ordered report # XXXX, stating your report was fraudulent, the result of criminal identity theft, and that I have been fully exonerated. 

PROVIDE ME with written confirmation of these actions. 

B. MONETARY COMPENSATION FOR DAMAGES : To resolve this without litigation, I demand a total settlement of {$25000.00}, for which you are jointly and severally liable. This covers : Actual Damages : For wrongful housing denial, application fees, costs for alternative housing, and severe emotional distress. 

Statutory Damages : For your willful non-compliance with the FCRA. 

If you force me to litigate, I will sue both companies. I will seek a jury trial and demand maximum statutory and punitive damages, which will far exceed this demand. 

This is your final opportunity. The evidence of your negligence is incontrovertible.

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