Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Formal Complaint and Legal Notice of Federal Violations Regarding XXXX XXXX Account XXXX XXXX I am filing this formal comlaint and notice of legal violation against TransUnion for its continued reporting of false, unvalidated, and derogatory information on my credit file. Specifically, this pertains to mortgage account XXXX XXXX XXXX XXXX XXXX originally associated with XXXX XXXX XXXX XXXX XXXX 

Despite this account being marked as transferred, and despite a {$0.00} balance now being reported, TransUnion continues to report 120 - 150 day late payments. I have lawfully disputed this tradeline under 15 U.S.C. 1681i and requested debt validation under 15 U.S.C. 1692g ( b ). TransUnion has failed to provide proof of : A valid, signed contract bearing my wet signature ; Lawful chain of title and assignment documentation ; Verification of standing or current ownership by the reporting party ; Securitization and GAP accounting disclosures. 

Further, it is well established that XXXX sold or transferred its servicing rights. Any continued reporting without active validation from the current, verified holder of the obligation is a direct violation of 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681s-2 ( b ). 

Additionally, the name XXXX XXXX XXXX is a protected trademark under common law and commercial usage. TransUnions repeated and unauthorized association of my trademarked identity with inaccurate, derogatory information constitutes false designation in violation of the Lanham Act ( 15 U.S.C. 1125 ( a ) ). This not only damages my personal creditworthiness but commercially injures a protected name and brand.

TransUnion can not shield itself behind Metro 2 compliance or passive reporting. Case law such as Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), has clearly established that a credit reporting agency must conduct an independent investigation once a consumer has provided sufficient evidence of an error.

Moreover, TransUnion is profiting from the ongoing dissemination and monetization of this inaccurate information. This includes selling access to third-party lenders, insurers, employers, and data resellers, despite clear evidence the tradeline is false, unvalidated, and disputed. This is commercial exploitation and unjust enrichment in violation of 15 U.S.C. 1681b and 15 U.S.C. 6801.

You are hereby given two lawful options only : Option 1 : Immediately update the XXXX XXXX tradeline to reflect a Paid in Full status, with notation that the account was securitized and closed via asset transfer.

Option 2 : Permanently delete the specific tradeline in full, as its continued reporting is factually incorrect, unvalidated, and commercially damaging.

Let me be clear : this is not a request to delete my credit profile or history. I am demanding the correction or removal of this specific, disputed tradeline. Failure to comply will result in civil litigation under : 15 U.S.C. 1681n, 1681o Civil liability for willful and negligent violations ; 15 U.S.C. 1125 ( a ) Commercial trademark defamation and misuse ; UCC 1-308 Reservation of rights without prejudice.

This document serves as final notice. If TransUnion does not act within 30 business days, I will escalate this matter to the federal court.

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