Consumer complaint received 2025-06-06 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: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data XXXX have been compromised because of inadequate data security measures on your part. 
Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX  ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 
I believe your company has failed to uphold these responsibilities, resulting in potential XXXX to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : XXXX. Provide a detailed account of the data that was compromised ; XXXX. Disclose the date and method by which the breach occurred ; XXXX. Explain the steps your organization is taking to remediate the situation ; XXXX. Provide documentation of your compliance with data protection laws ; XXXX. Correct any errors on my credit file caused by this breach ; XXXX. Provide complimentary credit monitoring and identity theft protection services for a minimum of XXXX months. 
Please be advised that I am aware of my rights under the FCRA ( XXXX U.S.C. XXXX ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within XXXX  days of receipt. Failure to do so XXXX result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within XXXX days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. 
I am writing regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( XXXX ) listed below were returned as " verified '' without providing me with the details of the investigation. 
Account ( XXXX ) : XXXX XXXX  XXXX XXXX {$11000.00} In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : XXXX. The name, address, and contact information of the entity that provided the information you used to verify the account. 
XXXX. A description of the procedures used to verify the accuracy and completeness of the disputed account. 
XXXX. All documentation you have on file retrieved during your investigation. 
XXXX Who did you interview regarding the account? 
Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA XXXX ( a ) ( XXXX ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 
I am requesting proof that an actual investigation was indeed conducted, and all the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further XXXX to my financial XXXX XXXX 
Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual XXXX sustained by the consumer because of the failure or XXXX of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such number of punitive XXXX as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
I would appreciate a prompt response to this request. Should you fail to provide the requested information, correct the violation, or remove the account, I am prepared to take further action to protect my rights under the FCRA. 
Thank you for your time and attention to this matter. I look forward to your prompt response.

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