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: NJ

Complaint narrative:
This complaint is a continuation of CFPB Case # XXXX and # XXXX. 
I am refiling because XXXX XXXX again failed to provide any documentary validation, continues to furnish unauthorized and identity-theftrelated information, and has ignored my Cease & Desist letter dated XX/XX/year>, in violation of federal law. 
1. Cease & Desist Letter Served XX/XX/year> XXXX XXXX Ignored It On XX/XX/year>, I served XXXXXXXX XXXXt with a formal Cease & Desist / Revocation of Authorization, notifying them that : I never authorized XXXXXXXX XXXX I never had an account with them They are not licensed to collect in New Jersey They must stop reporting immediately They must provide full validation + a verifiable active bond Under : FDCPA 805 ( c ) After a Cease & Desist, a collector must cease all communication and collection activity. 
FDCPA 809 ( b ) They must send validation before continuing activity. 
FCRA 623 ( a ) ( 6 ) Furnishers can not continue reporting until an investigation is completed with actual evidence. 
FCRA 611 ( a ) ( 1 ) ( A ) They must block inaccurate or identity-theftrelated information once notified. 
Despite being served, XXXX XXXX continued to report to TransUnion and XXXX without providing any validation. 
This is illegal. 
2. XXXXXXXX XXXXt Provided a False, Fabricated Bond Number In the prior complaint, XXXXXXXX XXXX submitted a bond number ( Bond Number XXXX ) that the surety confirmed does not exist. 
When confronted, XXXX XXXX claimed the bond was expired, but : An expired bond is still a valid bond number and can be verified. 
A valid bond remains in the suretys system even after expiration. 
The surety confirmed no such bond number ever existed. 
This means XXXX XXXX : Furnished fictitious regulatory information Knowingly submitted false documentation to the CFPB Deceived federal regulators, violating : FDCPA 807 ( false representations ) 12 C.F.R. 1006.18 ( misleading statements ) 12 U.S.C. 55315536 ( UDAAP ) For compliance purposes, XXXXXXXX XXXX must provide : A real, verifiable bond Bond certificate Direct validation from the issuing bond company State licensing history They provided none of these items. 
3. XXXXXXXX XXXX Failed to Attach Any Validation Documents to Their CFPB Response In the most recent case, their response was : Please see prior complaint. We provided validation. 
They did not : Attach a contract Attach a signature Attach account records Attach assignment documents Attach billing statements Attach itemization Attach proof of ownership Attach any bond certification Provide proof of any agreement A statement claiming we validated is not validation. 
Under : FCRA 611 ( a ) ( 2 ) reasonable investigation required FCRA 623 ( a ) ( 3 ) must investigate disputes FCRA 623 ( a ) ( 6 ) can not continue furnishing after notice of dispute FDCPA 809 must provide validation upon request XXXX XXXX response is legally insufficient and non-compliant. 
4. This is Identity Theft and Unauthorized Furnishing I have never : had an account with XXXXXXXX XXXX authorized XXXX XXXX  received services connected to this alleged debt This makes their reporting : False Unauthorized Identity theft under FCRA 603 ( q ) Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information known to be inaccurate. 
They are doing exactly that. 
5. Continuing to Report Without Proof Is Illegal Once notified of dispute and identity theft, a furnisher may not continue to report the tradeline unless they have competent evidence supporting accuracy. 
They do not. 
Continuing to report violates : FCRA 623 ( a ) ( 6 ) FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 5 ) ( A ) And constitutes : reckless disregard, failure to investigate, and willful non-compliance. 
6. Demand for Deletion Due to Failure to Validate Under FCRA 611 ( a ) ( 5 ) ( A ), where a furnisher can not validate the information, they must : Delete the disputed item from the consumers file. 
XXXX XXXX inability to produce : a contract, a signature, a billing history, a legitimate bond, or any proof of ownership requires immediate deletion of this tradeline.

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