Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This letter is submitted as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., with specific focus on the inaccurate and fraudulent reporting of the following collection account on my TransUnion credit report : XXXX XXXX  Account # XXXX Basis of Dispute : Identity Theft, Data Breach Exposure, and Illegal Debt Reporting I am the victim of identity theft, and this account is a direct result of criminal misuse of my personal information. I have already filed a police report, completed an Identity Theft Report with the FTC, and submitted all relevant documentation per 15 U.S.C. 1681c-2 ( a ), which requires a credit reporting agency to block all fraudulent information within 4 business days of receiving proper evidence of identity theft. 

The reporting of this XXXX XXXX collection is not only erroneous, but also reckless and damaging to my financial profile. I have never opened or authorized any account or transaction connected to XXXX XXXX or any of its predecessors. There is no signed agreement, contract, or transaction record bearing my consent, as required under 15 U.S.C. 1692g ( b ) and 1681s-2 ( b ). 

XXXX XXXX  has failed to provide any form of debt validation, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692g ( b ), debt collectors must cease collection and verify the debt upon notice of dispute. Continuing to furnish this information to TransUnion without sufficient verification is a serious legal breach. 

XXXX  XXXX Breach : Negligent Security + Ongoing Harm Additionally, my personal information was compromised in the XXXX XXXX data breach, which exposed the identities of over XXXX XXXX Americans including mine. Since that time, I have experienced repeated fraudulent activity and have taken extensive steps to safeguard my identity. The XXXX XXXX collection item appears to have surfaced as a direct result of this breach. 

As such, any assumption that this account is valid is not only flawed, but potentially exposes TransUnion and XXXX to liability for knowingly reporting inaccurate and harmful information, especially after proper identity theft documentation has been submitted. 

Violation of FCRA, CFRA, and FDCPA Standards The continued reporting of this account violates the following federal laws : 15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent information after receiving an identity theft report.

15 U.S.C. 1681s-2 ( b ) : Furnisher duty to investigate disputed information.

15 U.S.C. 1692g ( b ) : Failure to validate a debt upon written dispute.

15 U.S.C. 1681n and 1681o : Liability for willful or negligent noncompliance with the FCRA.

Consumer Financial Responsibility Act ( CFRA ) : Violation of state-level consumer rights regarding credit accuracy, investigation timelines, and accountability.

Demand for Immediate Action I hereby demand that TransUnion : 1. Permanently block and remove XXXX XXXX  Account # XXXX from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

2. Provide documentation of debt validation, including any original signed agreement, or cease furnishing this information under 1692g ( b ).

3. Issue a written confirmation of removal and a description of the investigative steps taken. 



Notice of Legal Intent Failure to comply within the required timeframe will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Complaints submitted to the Federal Trade Commission ( FTC ) and my State Attorney Generals Office A potential civil lawsuit for damages as allowed under 15 U.S.C. 1681n, 1681o, and 1692k Subpoenas for internal documentation to be used as evidence of willful or negligent noncompliance. 


This dispute is submitted in good faith and supported by legal documentation and federal protections. I expect a timely and legally compliant resolution in accordance with the FCRA. 

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