Consumer complaint received 2025-08-11 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: OK

Complaint narrative:
Formal Demand for Account Deletion Based on Legal Violations XXXX XXXX XXXX Legal Obligations Under UCC Article 3 UCC Section 3-401 ( a ) states no liability exists without the debtor 's signature on the instrument. UCC Section 3-403 confirms unauthorized signatures are legally invalid. XXXX XXXX must provide : original signed application with wet-ink signature ( not electronic copy ), proof of card delivery to my address, and signed cardmember agreement. 

Fair Credit Reporting Act Violations First, under 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( A ), XXXX XXXX furnished inaccurate information by reporting conflicting charge-off dates ( XX/XX/XXXX vs XX/XX/XXXX ), impossible payment dates ( XXXX transactions marked as paid on XX/XX/XXXX ), and a balance exceeding the credit limit ( {$4400.00} vs {$4000.00} limit ). 

Second, 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) requires complete debt validation. XXXX XXXX failed to provide signed application, complete transaction history, or proof of contractual agreement upon request. 

Third, 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) mandates proper dispute investigations. Credit bureaus violated this by using automated verification systems and ignoring documented contradictions. 

Regulatory Violations and Enforcement Actions OCC Bulletin 2020-10 requires banks to maintain complete account documentation, which XXXX XXXX can not produce for this account. CFPB Regulation V ( 12 CFR Section 1022 ) prohibits robo-verification of disputes, which credit bureaus violated. The CFPB Consent Order 2022-001 fined XXXX XXXX XXXX XXXX for similar FCRA violations XXXX establishing a pattern of non-compliance. 

Required Actions XXXX XXXX must within 15 days : permanently delete this account from all credit reports, provide sworn affidavit confirming no valid signed application exists and the account was never properly validated, and cease all collection and reporting activity. 

Credit bureaus must within 15 days : remove the account per 15 U.S.C. Section 1681c-2, provide corrected credit reports, and disclose investigation methods used.

Legal Consequences for Non-Compliance Private right of action exists under 15 U.S.C. Section 1681n for willful noncompliance ( statutory damages up to {$1000.00} per violation plus punitive damages ) and 15 U.S.C. Section 1681o for negligent noncompliance ( actual damages plus attorney fees ). This matter will be escalated to CFPB and OCC if unresolved. 

Supporting Documentation Available Upon Request includes certified dispute letters, credit report excerpts showing errors, and XXXX XXXX ' incomplete responses. 

This demand serves as both pre-litigation notice and regulatory complaint. Immediate action is required to avoid further legal consequences.

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