Consumer complaint received 2024-12-23 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: AZ

Complaint narrative:
Formal Demand for Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to formally demand the immediate deletion of XXXX fraudulent accounts from my TransUnion credit report. These accounts do not appear on my XXXX or XXXX credit reports, further supporting their inaccuracy. Their presence on my TransUnion credit report violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Legal Grounds Supporting My Demand 1.FCRA 611 ( 15 U.S. Code 1681i ) : Dispute Investigation Process Under FCRA 611, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information. Given the absence of these accounts on XXXX and XXXX, their presence on your report is inconsistent, inaccurate, and indicative of a lack of reasonable verification. 
2.FCRA 605B ( 15 U.S. Code 1681c-2 ) : Blocking Information from Identity Theft FCRA 605B mandates that a credit reporting agency must block information identified as fraudulent within XXXX business days of receiving documentation of identity theft. I have provided sufficient evidence, including [ list the documents provided, e.g., an FTC Identity Theft Report, police report, etc. ], that these accounts were opened fraudulently. By declining my fraud block request, you are failing to comply with this statutory requirement. 
XXXX.FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Accuracy of Reports FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. The fact that these accounts do not appear on my XXXX and XXXX reports indicates a failure on your part to ensure the accuracy of the information you are reporting. 
XXXXFCRA 609 ( e ) ( 15 U.S. Code 1681g ( e ) ) : Information Related to Fraudulent Accounts Under 609 ( e ), I am entitled to information related to the fraudulent accounts, including details of the creditors and transactions. Your failure to block these accounts without properly verifying their legitimacy infringes upon my right to access this information. 
XXXXFederal Trade Commission Guidance The FTC provides guidance that credit reporting agencies must delete fraudulent accounts when sufficient evidence of identity theft is presented. My documentation meets this standard, and your refusal to act violates the intent of the FCRA and FTC regulations. 

Accounts in XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( Auto ) XXXX XXXX XXXX XXXX, Account # XXXX ( Credit Card ) These accounts are clearly fraudulent and inaccurate. By failing to delete these items, you are violating my rights under the FCRA. 

My Formal Request I demand that TransUnion : XXXXImmediately delete the above-mentioned accounts from my credit report.

2.Provide written confirmation of their deletion within 4 business days of receipt of this letter. 


Attached is my FTC report # XXXX 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