Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Immediate Demand for Erasure of Fraudulent and Unverified Derogatory Items Under 15 U.S.C. 1681 et seq. ( FCRA ) To Whom It May Concern, This letter serves as a formal dispute and legal demand for the permanent removal of fraudulent, unverified, and inconsistent derogatory information appearing only on my TransUnion credit report. The following accounts and inquiry were not opened, authorized, or incurred by me and are being reported in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 ( a ), 1681e ( b ), and 1681i ( a ).

Despite my repeated written requests to TransUnion and the furnishers of this data, I have yet to receive any verification documents or original signed contracts validating these accounts. These are not only unverified but are fraudulent, directly resulting from identity theft and the XXXX data breach. Furthermore, these derogatory accounts are not reported on XXXX or XXXX, making XXXX data inaccurate, inconsistent, and harmful. 

Disputed Accounts and XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX ( XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiry Violations & Legal Basis for Immediate Deletion 1. Failure to Block Identity Theft Accounts ( 1681c-2 ( a ) ) I submitted an FTC Identity Theft Affidavit, and creditor notifications. Under 1681c-2 ( a ), TransUnion is required to block these accounts within 4 business days. Your failure to do so is a direct violation of federal law.

2. Inconsistent Reporting Violates Accuracy Standards ( 1681e ( b ) ) These accounts are only on TransUnion and do not exist on XXXX or XXXX. TransUnion has a legal duty to report with maximum possible accuracy. Reporting accounts that no other bureau deems valid is a serious inconsistency and grounds for deletion.

3. Failure to Reinvestigate Properly ( 1681i ( a ) ) Your previous responses suggest a lack of proper reinvestigation, despite my formal disputes. Under 1681i ( a ), you are obligated to perform a reasonable investigation. Relying on automated responses or unverifiable information is non-compliant with FCRA standards.

4. No Debt Validation Provided ( 1681s-2 ( b ) & FDCPA 1692g ( b ) ) I have made numerous written demands for debt validation directly to the furnishers of these accounts. No original signed contracts, payment histories, or proof of debt ownership have been provided. The lack of verification is a clear violation under both the FCRA and FDCPA, and these items must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a confirmed victim of the XXXX XXXX data breach, my personally identifiable information was compromised, leading to these unauthorized accounts. XXXX continued reporting of fraudulent data, even after proper documentation and notices, is gross negligence that exacerbates the financial harm caused by the breach. 

Complaints Filed with the BBB and CFPB Due to your failure to resolve this matter and provide legally required documentation, I have filed complaints with the Better Business Bureau ( BBB ) and will be escalating further with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. These inaccurate items are causing irreparable harm to my creditworthiness and must be removed.

Demand for Immediate Action I hereby demand the following actions in accordance with federal law : 1. Immediate and permanent deletion of all listed accounts and inquiry under 1681c-2 ( a ).

2. Written confirmation of deletion within 30 days, as required by 1681i ( a ) ( 6 ) ( B ) ( i ).

3. Certified documentation outlining TransUnions investigation steps and compliance efforts.

Notice of Legal Action If TransUnion fails to comply, I will pursue : A lawsuit for willful non-compliance under 1681n, including statutory and punitive damages Injunctive relief to compel deletion of unverified information Formal investigations through the CFPB and state agencies Supporting Documentation Enclosed Prior written dispute records This is your final opportunity to resolve this matter amicably. Non-compliance will result in legal escalation. 

Sincerely, 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