Consumer complaint received 2025-03-19 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:
Subject : Urgent Dispute Request for Permanent Deletion of Inaccurate Accounts Dear TransUnion Dispute Departments, I am writing to formally dispute the following accounts that are inaccurately reporting on my credit reports. These accounts do not belong to me and were reported without my authorization. I am demanding that they be permanently deleted from my credit file immediately. 

The details of the disputed accounts are as follows : TransUnion Accounts in Dispute : Creditor : XXXX  XXXX {$38000.00} Creditor : XXXX XXXX {$6200.00} Creditor : XXXX XXXXXXXX {$3800.00} Legal Basis for Dispute : Under my rights as a consumer, I demand the immediate deletion of these accounts under the following laws : 1. FCRA ( 15 U.S.C. 1681 et seq. ) The Fair Credit Reporting Act requires that all reported information be accurate, fair, and verifiable. If these accounts can not be fully verified in compliance with federal law, they must be deleted immediately. 

2. FCRA 15 U.S.C. 1681b ( Permissible Purpose ) A credit report may only contain accounts that were legally authorized by the consumer. If these accounts were opened, reported, or accessed without my explicit consent, they violate the FCRA and must be removed.

3. 15 U.S.C. 6802 ( Financial Privacy Law ) This law prohibits the unauthorized sharing of consumer financial data. If my personal information was misused, improperly reported, or shared without my consent, these accounts must be deleted.

4. 31 U.S.C. 5118 This statute reinforces the necessity for accurate and lawful financial reporting in consumer credit files.

5. FCRA ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a full reinvestigation within 30 days and remove any unverifiable or incorrect accounts.

Request for Immediate Action : I am formally requesting that XXXX and TransUnion : XXXX a full reinvestigation into the accuracy and legitimacy of the reported accounts. 

Obtain proper verification from XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX proving that I authorized and am responsible for these accounts. 

Permanently delete these accounts from my credit reports if they can not be fully verified with legally sufficient documentation. 

If this dispute is not resolved within the legally mandated 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and considering legal action for damages caused by the continued reporting of inaccurate information.

I have enclosed a copy of my ID and proof of address for identity verification. If you require any additional information, please contact me in writing at the address provided above. 

Thank you for your immediate attention to this matter. I look forward to your confirmation that these inaccurate accounts have been permanently removed from my credit reports. 

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