Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Subject : Final Demand for Deletion of Fraudulent Collection Account To Whom It May Concern, I am writing to formally demand the immediate deletion of the fraudulent collection account reported by XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report. This account was opened fraudulently in my name as part of an identity theft incident, and I have already provided all required documentation to support my dispute, including : Identity Theft Police Report ( Filed with XXXX ) FTC Identity Theft Affidavit Government-Issued ID Social Security Card Violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion 1. Failure to Block Fraudulent Information FCRA 605B Under 15 U.S.C. 1681c-2 ( FCRA 605B ), TransUnion was required to block the fraudulent account within four ( 4 ) business days after receiving my identity theft documentation. As of today, this account remains on my credit report, in clear violation of federal law.

2. Failure to Conduct a Reasonable Investigation FCRA 611 ( a ) I formally disputed this fraudulent account, yet TransUnion failed to properly investigate or remove it. Under FCRA 611 ( a ), TransUnion must conduct a reasonable reinvestigation within 30 days ( or 45 days if additional documents were provided ). If no verifiable documentation was provided by XXXX XXXX XXXX XXXX XXXX, this account must be deleted immediately. 

3. Illegal Re-Insertion of a Previously Deleted Account FCRA 611 ( a ) ( 5 ) ( B ) If this account was previously deleted and then reinserted, FCRA 611 ( a ) ( 5 ) ( B ) requires TransUnion to provide written notice within five ( 5 ) business days explaining the reinsertion. If TransUnion failed to do so, this is a severe violation of federal law. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX. Failure to Validate Debt 15 U.S.C. 1692g I demand that XXXX XXXX & XXXX XXXX provide proper validation of this debt, including : Original signed lease agreement with my verified signature Itemized billing statements proving the alleged debt Proof that I personally authorized this rental agreement If you can not provide verifiable documentation, you must delete this account from my credit report immediately. 

2. Attempting to Collect a Fraudulent Debt 15 U.S.C. 1692e Under the FDCPA, it is illegal to collect or report fraudulent debts. Since I have provided legal proof of identity theft, continuing collection efforts and reporting false information to TransUnion constitutes a serious violation. 

Final Demands & Consequences for Non-Compliance TransUnion : You must immediately delete this fraudulent collection account from my credit report under FCRA 605B and 611 ( a ). 

XXXX XXXX & XXXX XXXX : You must cease all collection efforts and remove the account from all credit bureaus due to FDCPA and FCRA violations.

If this fraudulent account is not deleted within 10 days, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Pursue legal action under FCRA 1681n and 1681o, seeking statutory damages of {$1000.00} per violation, punitive damages, and attorney fees.

This is my final attempt to resolve this matter before initiating legal action. Failure to comply will result in immediate escalation. 

Sincerely, XXXX 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