Consumer complaint received 2025-02-20 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:
RE : DEMAND FOR IMMEDIATE DELETION OF INACCURATE BANKRUPTCY UNDER FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of a fraudulent XXXX  XXXX Bankruptcy reporting on my TransUnion credit file. I have never filed for bankruptcy, and this entry is an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon personally visiting the United States Bankruptcy Court in XXXX XXXX, a court clerk confirmed that I have never filed for bankruptcy. The court has no records of any bankruptcy case under my name or Social Security Number. Your companys negligent misreporting of this inaccurate information has severely impacted my creditworthiness and is in direct violation of multiple provisions under the FCRA. 

FCRA Violations Committed by TransUnion : 1. FCRA 605B Failure to Block Fraudulent Information As required by this section, TransUnion must immediately block and remove any information resulting from identity theft or misidentification.

2. FCRA 611 ( a ) Failure to Conduct a Reasonable Investigation Your failure to verify this bankruptcy directly with the U.S. Bankruptcy Court before reporting it violates this statute. 

Any verification from a third-party data furnisher ( e.g., XXXX, XXXX, XXXX XXXX  ) is legally insufficient. 

3. FCRA 607 ( b ) Failure to Ensure Maximum Possible Accuracy Your company has an obligation to ensure the maximum possible accuracy of the information you report. Reporting a bankruptcy that does not belong to me is a blatant violation.

4. FCRA 623 Furnishing Inaccurate Information ( If a Third-Party is Involved ) If this data was provided by XXXX, XXXX, XXXX another vendor, TransUnion still has a duty to verify its accuracy before reporting. 

DEMAND FOR IMMEDIATE ACTION Due to these violations, I formally demand that TransUnion take the following actions within five ( 5 ) business days of receiving this letter : 1. Immediately delete the fraudulent XXXX XXXX  bankruptcy from my credit file.

2. Provide written confirmation that this inaccurate bankruptcy has been permanently removed.

3. Cease all future repo
rting of any bankruptcy that is not directly verified by the U.S. Bankruptcy Court under my personal information.

If these demands are not met within five ( 5 ) business days, I will escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Pursuing litigation against TransUnion under FCRA 616 and 617 for negligent and willful noncompliance.

Seeking statutory and punitive damages in the amount of {$1000.00} per violation, plus actual damages for credit harm and emotional distress. 

I expect an immediate resolution to this matter. Please respond in writing within the timeframe specified above. 

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