Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ongoing Violations of Regulation F and the Fair Credit Reporting Act Failure to Investigate, Verify, or Delete Disputed and Fraudulent Items FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department, I am submitting this formal legal notice concerning your continued violations of both Regulation F ( XXXX XXXX XXXX ) and the Fair Credit Reporting Act ( FCRA ). Despite my properly submitted disputes dated XX/XX/XXXX and XX/XX/XXXX, and my official filing of FTC Identity Theft Report # XXXX, you continue to report accounts and inquiries that are inaccurate, unauthorized, and clearly connected to identity theft. 

Your refusal to provide the method of verification for disputed entries violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Continued reporting of accounts without my consent violates 15 U.S.C. 1681b, and your failure to block identity theft-related information after formal notification is a violation of 15 U.S.C. 1681c-2.

Moreover, your inaction demonstrates a direct breach of Regulation F, which mandates that consumer credit data must be communicated clearly and verified through lawful and transparent procedures. No such validation has been provided to me. 

Disputed Accounts Still Reporting ( Must Be Permanently Deleted ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Note : XXXX was intentionally omitted as per your directive XXXX 

You Have Failed to : Provide a description of the reinvestigation procedures used Deliver the method of verification for disputed items Supply original applications or contracts with my wet signature Block identity theft-related data as required under 1681c-2 Uphold Regulation F standards for validation and communication Immediate Legal Demands : Permanently delete all accounts and inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease any reporting, furnishing, or resale of my credit data without documented written authorization Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Legal action under 15 U.S.C. 1681n and 1681o Demands for statutory, actual, and punitive damages for willful noncompliance This is your final opportunity to comply with federal law. I expect full removal of the above data and a written response within the timeframe provided.

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