Consumer complaint received 2025-06-27 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:
To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - RE : LEGAL DEMAND FOR DELETION OF UNVERIFIABLE AND FRAUDULENT ACCOUNTS FCRA 1681i, 1681e ( b ), 1681c-2, and Case Law Compliance Dear TransUnion Dispute Department , I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) to demand the immediate removal of multiple fraudulent and unverifiable accounts currently listed on my TransUnion credit report. These accounts are not mine, and you have failed to provide proper verification despite multiple disputes and complaints. 

Furthermore, I am submitting identity theft documentation in full compliance with FCRA 1681c-2 ( a ), including an FTC Identity Theft Report # _______, of which specifically identify the accounts below as fraudulent. 


-- - ACCOUNTS TO BE REMOVED IMMEDIATELY : XXXXXXXX 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 -- - LEGAL GROUNDS FOR REMOVAL 1. Identity Theft Documentation ( FCRA 1681c-2 ) Under FCRA 1681c-2 ( a ) ( 1 ), I am requesting that these accounts be permanently blocked and deleted from my credit file. Enclosed are : FTC Identity Theft Report # _____ Proof of identity and address These documents clearly establish that the above accounts were opened fraudulently and without my knowledge or authorization.

2. Verification Failures ( FCRA 1681i & 1681e ( b ) ) You are required by FCRA 1681i ( a ) to conduct a reasonable reinvestigation and delete information that can not be verified. You have failed to : Provide account opening documentation or applications with my signature Produce any transaction history or billing that proves liability Respond properly to disputes dated [ List dates of past disputes ] Moreover, your continued reporting of unverifiable data violates FCRA 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they maintain. 

As ruled in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), the continued reporting of disputed and unverified data violates 1681e ( b ) and entitles the consumer to pursue statutory and punitive damages.

3. Failure to Provide Verification from Furnishers ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally demanding : > " A description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher contacted, and a copy of all documents used in the verification process. '' You must send all verification documents you claim to have received from XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX, including original signed applications, contracts, and any account transaction history. 


-- - PRIOR DISPUTE HISTORY & CFPB ESCALATION I have previously submitted disputes on : [ Insert Dates of Prior Disputes ] CFPB Complaint Reference # [ Insert if available ] You failed to respond with verification or remove these accounts within the 30-day statutory deadline, which constitutes willful noncompliance under FCRA 1681i ( c ) and exposes you to legal liability. 


-- - DEMANDS FOR ACTION I hereby demand that TransUnion : 1. Immediately and permanently delete the above accounts from my credit report.

2. Block future reinsertion of the same data unless compliance with 1681i ( a ) ( 5 ) ( B ) ( ii ) is met.

3. Provide written confirmation of deletion within 30 days.

4. Supply a full updated copy of my TransUnion report.

5. Disclose all verification records as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

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