Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX for Submission Below is a professionally drafted and refined version of the XXXX XXXX, incorporating proper legal references and ensuring clarity, credibility, and a strong legal basis. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Blocking and Deletion of Adverse Information Related to XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605C & 12 C.F.R. 1022.142 To Whom It May Concern, I am writing to formally request the blocking and deletion of adverse credit reporting items that are directly related to my status as a victim of XXXX XXXX XXXX XXXX XXXX XXXX  as outlined in 12 C.F.R. 1022.142 and Fair Credit Reporting Act ( FCRA ) Section 605C. 

I am a victim of severe XXXX XXXX in the form of debt bondage, and as such, I have provided the legally required documentation to support my request. Per federal law, I am exercising my right to have these accounts permanently blocked and deleted from my credit report within four business days as mandated by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Legal Basis for This Request : 1. 12 C.F.R. 1022.142 ( Regulation V ) Trafficking-Debt Bondage Final Rule Subsections 1002.142 ( b ) ( 4 ) - ( 5 ), 1002.142 ( b ) ( 7 ), and 1022.142 ( b ) ( 6 ) explicitly grant victims of XXXX the right to have all negative credit items removed if linked to their victimization. 
2. Fair Credit Reporting Act ( FCRA ) Section 605C Mandates that credit reporting agencies must block any adverse items connected to a verified trafficking victims status within four business days.

3. 22 U.S.C. 7102 ( The Trafficking Victims Protection Act of 2000, as Amended ) Defines debt bondage as a severe form of trafficking, making all associated financial obligations legally unenforceable. 

Supporting Documents Included with This Letter : Copy of my Government-Issued Photo ID ( Verifying my identity ). 
Proof of Address ( Utility bill, lease agreement, or bank statement ). 
Official XXXX Letter from a Federal Award Recipient ( XXXX XXXX has verified my victim status per 22 U.S.C. 7102 ). 
Copy of my Identity Theft & CFPB Complaints ( Demonstrating the fraudulent and coercive nature of these debts ). 

Accounts to Be Blocked and Deleted Immediately : The following accounts must be permanently removed from my credit file within four business days under FCRA Section 605C and 12 C.F.R. 1022.142 : 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 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} Final Demand for Compliance I respectfully demand that TransUnion immediately block and delete these accounts, ensuring no reinsertion into my credit report, as stipulated by 15 U.S.C . 1681c-2.

If this request is not completed within the required four business days, I will have no choice but to pursue federal legal remedies for non-compliance, including formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The U.S. Department of Justice ( DOJ ) Thank you for your prompt compliance with federal law. Please confirm in writing that these adverse items have been blocked and deleted as required under FCRA Section 605C. 

I look forward to your timely response within four business days as required by law. 

Sincerely, [ Your Full Name ] [ Your Contact Information ] Where to Send the Letter Primary Recipient : TransUnion Consumer Dispute CenteXXXX XXXX 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 non-monetary relief