Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
XXXX XXXX Trans Union Letter XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XXXX ) XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL To : TransUnion LLC Supervisor, Consumer Fraud Division P.O XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Accounts and Inquiries Cease & Desist, Deletion, and Notice of Preservation of Evidence Dear Supervisor, My name is XXXX XXXX, and I am writing with urgency to dispute and demand the immediate removal of fraudulent and unauthorized accounts and inquiries reported under my credit profile. This correspondence serves as both a Formal Identity Theft Report and a Demand to Cease and Desist pursuant to the following federal statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq. 

Notice of Identity Theft and Exposure of Personal Data I have been a verified victim of identity theft and have suffered repeated exposure of my personal information through multiple credit bureau breachesspecifically XXXX and XXXX 
XXXX Breach ( XX/XX/XXXX ) : In XX/XX/XXXX, XXXX announced a data breach that exposed the personal information of approximately 143 million U.S. consumers, later confirmed to have affected 147.9 million individuals across the United States, XXXX, and the XXXX XXXX. 
Experian Breaches ( XXXX ) : A known security flaw at XXXX U.S. operations was publicly disclosed in late XXXX, allowing access to individual credit reports without full authentication between XX/XX/XXXX, and XX/XX/XXXX. 
Additionally, XXXX international divisions were linked to large-scale data leaks, including a XXXX breach involving 220 million XXXX citizens and prior exposure of XXXX XXXX consumer data in XXXX. 
TransUnion Breach ( XX/XX/XXXX ) : On XX/XX/XXXX, TransUnion experienced unauthorized access of consumer data via a third-party application. The incident was discovered on XX/XX/XXXX, impacting approximately 4.4 to 4.46 million U.S. consumers. 



1. Fraudulent Accounts & Inquiries in Dispute Fraudulent Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Acct. # : XXXX | Opened : XX/XX/XXXX | Balance : {$720.00} XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$2300.00} Fraudulent Inquiries : XXXX Requested : XX/XX/XXXX XXXX XXXX XXXX Requested XXXX XX/XX/XXXX Additional Reporting Agencies Referenced : XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Fraudulent Address to Remove : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Grounds for Removal Unauthorized Accounts : I never applied for, signed, or authorized these accounts. 
FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information.

Reinsertion Restriction : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) forbids reinsertion of deleted data without certification and notice.

Fraud Block Requirement : 15 U.S.C. 1681c-2 requires immediate blocking of fraudulent data upon verified identity theft.

Accuracy Obligation : 15 U.S.C. 1681e ( b ) mandates maximum possible accuracy of consumer data.

Debt Collection Protections : 15 U.S.C. 1692c & 1692g require lawful debt validation and communication procedures. 
Proof of Ownership & Chain of Custody : Creditors must prove lawful ownership and assignment ( see XXXX XXXX XXXX, XXXX XXXX Capital Credit, XXXX XXXX XXXX ). 
UCC Holder-in-Due-Course : U.C.C. 3-301 & 3-203 ( b ) require proof of negotiation and endorsements.

Right of Rescission : 15 U.S.C. 1635 preserves my right to rescind unauthorized credit transactions.

3. Requests for Immediate Action TransUnion is hereby instructed to : 1. Cease and desist all reporting, collection, and distribution of fraudulent data.

2. Permanently delete and block the fraudulent accounts, inquiries, and addresses listed above.

3. Correct and update my consumer file and notify all parties that received inaccurate information.

4. Provide written confirmation of full compliance within five ( 5 ) calendar days of receipt.

4. Notice of Legal Violations Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of data may not report information they knowor should knowis inaccurate.

Continuing to report or share clearly fraudulent or disputed data constitutes a violation of both the FCRA and the FDCPA.

TransUnion, as a consumer reporting agency, is legally required to conduct a reasonable reinvestigation upon receiving a dispute. Failure to comply may result in civil liability for willful noncompliance. 



5. Legal Precedent Supporting This Dispute The following federal cases establish that failing to investigate and correct inaccurate credit information constitutes a willful FCRA violation : XXXX. XXXX v. TransUnion, LLC, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to follow reasonable procedures to ensure accuracy. 
2. XXXX v. TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Liability upheld for failure to reinvestigate. 
3. XXXX XXXX BAC Home Loans Servicing & TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Continued reporting of disputed data found to be willful noncompliance. 



6. Enclosures FTC Identity Theft Report Notarized Identity Theft Affidavit Supporting Documentation NOTICE OF VICTIM STATUS I have contacted the creditors involved and was instructed to notify TransUnion directly. I am a verified victim of identity theft, and under federal law, you are required to block and remove all fraudulent data immediately. 

Thank you for your prompt attention to this matter. 

Respectfully, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX 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 explanation