Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Demand for Immediate Removal of Fraudulent Reporting by XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the fraudulent mortgage account being reported by XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX on my credit report. I am a victim of identity theft, and this entity is illegally claiming to be my mortgage servicer and debt collector despite my having no contractual relationship with them. 
Legal Grounds for Immediate Removal ( 4-Day Deadline ) 1. Identity Theft Protections Under 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act ) Under 15 U.S.C. 1681c-2 ( a ) ( FCRA ), as a victim of identity theft, I am legally entitled to have this fraudulent information blocked and removed within four ( 4 ) business days from the date of this request.

This law explicitly states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt of the request of the consumer. '' I have included supporting documentation ( identity theft affidavit, police report, notice of breach, UCC filings and record of the County Records of the Mortgagee ) in compliance with the statutory requirements. TransUnion must comply within the legally mandated timeframe.

2. Lack of Privity of Contract No Lawful Assignment Pursuant to Uniform Commercial Code ( UCC ) 1-201 ( 37 ) and UCC 3-305 , a company can not claim rights to enforce a debt without proving valid legal assignment. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX has unlawfully transferred a mortgage without following the assignment laws required under New York State Real Property Law 291. Without proper assignment there is no contract of record.

Additionally, under New York Uniform Commercial Code ( NYS UCC ) Article 9-203, no valid security interest exists between myself and the alleged creditor.

3. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information must report only accurate and verifiable information. Since no valid documentation exists proving that I owe a debt to XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, this entry constitutes willful non-compliance with federal law. 
Moreover, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted immediately.

4. Corporate and Equitable Estoppel ( UCC1, UCC1ad, UCC5 Filings ) I have filed UCC1 Financing Statements and UCC1Ad Amendments to protect my financial identity from fraudulent claims. Under UCC5 filings, any unauthorized attempt to collect a non-existent debt subjects TransUnion to corporate and equitable estoppel, legally barring further reporting of this invalid information.

Formal Demand for Immediate Action Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I demand the following actions be completed within FOUR ( 4 ) BUSINESS DAYS : 1. Immediate deletion and permanent removal of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX from my credit report. 
2. Written confirmation that this fraudulent account has been removed.

3. Cease and desist from reinserting this information without proper, verified, and legal documentation ( per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Failure to comply with this request within the four-day statutory deadline will result in : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney Generals Office , and the Federal Trade Commission ( FTC ).

Civil litigation for statutory damages under 15 U.S.C. 1681n, including punitive damages for willful non-compliance.

I expect your written response confirming removal within four ( 4 ) business days, in compliance with 15 U.S.C. 1681c-2.

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