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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Subject : Formal Notice of Intent to Sue Violations of the Fair Credit Reporting Act ( FCRA ) and Failure to Remove Fraudulent Accounts To Whom It May Concern, This letter serves as my formal notice of intent to initiate legal action against TransUnion LLC ( TransUnion ) for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ), including but not limited to 1681c-2, 1681i, 1681b, 1681n, and 1681o, in connection with the continued reporting of multiple fraudulent accounts on my credit report and the unauthorized reinsertion of a previously deleted XXXX account. 

Background On numerous occasions, I have disputed the following accounts with TransUnion : XXXX XXXX XXXX accounts ( all fraudulent and unauthorized ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX account These accounts are fraudulent because : I never opened, authorized, or held any of these accounts. 


I explicitly informed TransUnion that I am a victim of identity theft, with my personal information compromised in the XXXX data breach. 


After this breach, multiple unauthorized bank accounts and credit card accounts were opened in my name, and my mail was diverted without my knowledge. 


I provided TransUnion with a FTC identity theft report meeting the definition of an identity theft report under 15 U.S.C. 1681a ( q ).

Unauthorized Reinsertion of Deleted XXXX Account A XXXX account that had been previously deleted from my credit report was reinserted on XX/XX/XXXX, without any prior written notice and without providing me the required certification from the furnisher of information. 
I am submitting with this letter TransUnions own documentation showing that the XXXX account was deleted from my credit report prior to its unauthorized reinsertion. 
This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), which states : If any information is deleted from a consumers file ... the information may not be reinserted unless the person who furnishes the information certifies that the information is complete and accurate, and the consumer reporting agency notifies the consumer in writing within 5 business days that the information has been reinserted.

Since TransUnion failed to provide this notice and certification, the law requires that the account be deleted immediately. The FTCs guidance under 16 C.F.R. 611 ( b ) ( 5 ) ( C ) is unequivocal : If information is reinserted without proper notice to the consumer, and without proper certification from the furnisher, the agency must delete the item from the consumers file immediately.

Failure to Block Fraudulent Accounts Within 4 Business Days Under FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ), when a consumer submits an identity theft reportincluding a valid police reportto a consumer reporting agency, the agency : shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; and ( C ) the identification of such information by the consumer. 
Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, making TransUnion liable for : Statutory damages of up to {$1000.00} per violation Actual damages Punitive damages Attorneys fees and costs Negligent noncompliance under 15 U.S.C. 1681o makes TransUnion liable for : Actual damages Attorneys fees and costs Requests for Verification Ignored Through the CFPB portal, I specifically requested that TransUnion provide : The method of verification used to determine the accuracy of each disputed account ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 


The name of the person contacted at each creditor, along with the date and time of that communication. 


All documents provided by XXXX XXXX, XXXX XXXX  ( XXXX ), and XXXX that you relied upon to verify these accounts, including signed applications, payment statements, and identification. 


The signed contract or application bearing my wet signature, per FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ).

To date, none of these documents have been provided, in violation of 609 and 611 of the FCRA.

Legal Violations TransUnions actions constitute : Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information within 4 business days of receiving a valid identity theft report.

Violation of FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) Failure to provide all information in my credit file upon request.

Violation of FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation and provide the method of verification.

Violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Unauthorized reinsertion of previously deleted information without notice or certification.

Violation of FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) Willful and negligent noncompliance.

Relevant Case Law Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) A credit bureau must conduct an independent investigation beyond simply verifying information with the furnisher. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Failure to remove unverifiable information violates the FCRA. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers and credit bureaus are jointly liable for failing to correct inaccurate information after notice. 



Demand Pursuant to FCRA 609, I demand : A complete 609 Letter File containing all information in my credit file related to these accounts.

The original signed application or contract for each account. 


All dates, sources of information, payment history, and account status reports. 


All written communication between TransUnion and each creditor. 


I am submitting a copy of the police report filed in regards to these fraudulent accounts. 

Notice of Legal Action If these fraudulent accounts are not deleted within 15 calendar days of your receipt of this letter, I will file a lawsuit against TransUnion in U.S. District Court seeking : Statutory damages under 15 U.S.C. 1681n.

Actual damages, including credit denials, emotional distress, and reputational harm. 


Punitive damages. 


Attorneys fees and costs. 


All prior CFPB complaints, my police report, documentation showing the deletion of the XXXX account, and this letter will be used as evidence in court. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX Police Department Identity Theft Report Documentation from TransUnion showing deletion of XXXX account Kindly note that my date of birth is XX/XX/XXXXXXXX  and the last four digits of my social are 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 explanation