Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CEO To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Financial Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President of Consumer Interactive XXXX XXXX XXXX Senior Vice President, Fraud and Identity Solutions XXXX XXXX XXXX Vice President, Fraud Strategy and Operations Proof Fraud Department Executives Compliance and Legal Executives TransUnion XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Formal Dispute and Legal Notice Regarding Fraudulent Reporting and Non-Compliance with Consumer Protection Laws Cc : Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX  : All department heads that listed above will be addressed in my legal proceedings for willful negligence pertaining to my claims. My financial life is in ruins over Transunion blatant disregard for me or my financial well being. 
Dear, XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX, Chief Financial Officer XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Senior Vice President, Fraud and Identity Solutions XXXX XXXX, Vice President, XXXX Strategy and Operations Fraud Department Executives Compliance and Legal Executives I am writing this letter to formally address TransUnions repeated negligence, violations of consumer protection laws, and failure to adequately respond to my disputes regarding fraudulent accounts falsely reported on my credit profile. I am submitting this correspondence to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general for further action. TransUnion is hereby legally bound to respond within four ( 4 ) business days of receipt of this letter.

Despite submitting multiple disputes to correct fraudulent information on my credit report, TransUnion has failed to provide a substantive response. This constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ( CRAs ) investigate disputes and respond in a timely and thorough manner.

Under Section 605B, I provided sufficient evidence of identity theft and requested the blocking of fraudulent accounts. TransUnions failure to block such accounts is a violation of my consumer rights.

TransUnions negligence in maintaining accurate records and failing to address my disputes has caused me significant financial distress, including the inability to secure a home loan. This constitutes harm under Section 623 of the FCRA.

Proof Summary of Issues and Allegations 1. Failure to Respond to Disputes : 2. Failure to Block Fraudulent Information Under Section 605B of the FCRA : 3. Negligent Practices Leading to Financial Harm : 4. Attempts to Stall Disputes by Requesting Redundant Identity Verification : XXXX TransUnions pattern of repeatedly requesting identity verification documents, despite my submission of valid identification including my drivers license, Social Security card, and utility bill, is an intentional stall tactic that violates my consumer rights under the FCRA .

5. Opt-Out of Arbitration Clause : I have formally opted out of TransUnions arbitration clause, which removes any contractual
limitations to my ability to pursue litigation. This letter serves as a reaffirmation of my decision and establishes that TransUnions terms and conditions no longer bind me.

TransUnion has suffered multiple data breaches in recent years, compromising sensitive consumer information. Your companys failure to protect personal data violates the Fair and Accurate Credit Transactions Act ( FACTA ) and Section 5 of the Federal Trade Commission Act ( FTC Act ) concerning unfair or deceptive practices.

Documentation and Legal Request Enclosed with this letter, I have provided the following : Copy of my drivers license These documents are sufficient under the law to verify my identity. TransUnion is legally bound to accept them and may not reject I demand an immediate cease and desist on all reporting of fraudulent accounts under my name. Failure to comply with this request is a violation of Section 605B of the FCRA and will result in further legal action.

Proof 6. Violation of the Consumer Data Protection Laws : Social Security card Recent utility bill them for dispute resolution purposes.

Cease and Desist Notice Violations and Legal Precedents 1. Failure to Conduct Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated disputes, XXXX has failed to conduct a reasonable XXXX reinvestigation of the inaccurate and fraudulent accounts reported on my credit file.

Your reliance on automated systems, such as e-OSCAR, fails to meet the statutory requirement of a thorough and reasonable investigation.

2. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Upon receipt of my dispute, proof of identity, and documentation ( including a police report ), you were required to block the fraudulent information within four ( 4 ) business days. Transunion failure to comply with this timeline is a direct violation of 3. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX is mandated to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. The continued reporting of erroneous and fraudulent accounts demonstrates a flagrant disregard for this legal obligation.

4. Failure to Respond to Consumer Complaints : Transunion refusal to respond to my disputes within the legally mandated timeframes under 15 U.S.C. 1681i ( a ) has caused severe financial harm, including loss of access to credit and the inability to secure housing.

I submitted a valid and substantiated request to block fraudulent accounts Proof the statute.

5. Failure to Block Fraudulent Accounts Pursuant to 605B : under 605B.

Transunion failed to fulfill this mandatory duty, leaving harmful and erroneous accounts on my client 's XXXX credit report. 
6. Failure to Respond to Disputes in a Timely Manner ( 1681i ) : Despite the FCRA 's requirement that disputes be resolved within 30 days ( or 45 supplementary information is provided ), Transunion failed to address my initial dispute within the statutory timeframe.

7. Failure to Remove Unauthorized Inquiries ( 1681b ) : Unauthorized credit inquiries remain on my client 's credit report despite repeated inquiries were neither authorized nor initiated by my client.

8. Reinsertion of Previously Disputed Items Without Notice ( Transunion improperly reinserted previously disputed items into my client 's credit file providing the requisite written notice. This constitutes a clear violation of the FCRA.

9. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( XXXX failed to implement reasonable procedures to ensure maximum possible Proof days if disputes. These 1681i ( a ) ( 5 ) ( B ) ) : without 1681e ( b ) ) : accuracy of XXXX information in my client 's credit file, leading to Violations of the Fair Credit Reporting Act ( FCRA ) : Legal Precedents Against TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Supreme Court ruled against TransUnion for failing to provide accurate information For comparison, XXXX has also faced significant legal challenges, including similar FCRA violations and failure to address consumer disputes adequately. These systemic issues across credit bureaus highlight a failure to comply with federal laws Proof Sections 605B, 611, and 623.

Failing to address disputes in a timely manner.

Failing to block fraudulent information after identity theft claims.

Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Data breaches compromising consumer information.

Violation of Section 5 of the Federal Trade Commission Act ( FTC Act ) : Engaging in unfair and deceptive practices.

1. to consumers, leading to harm.

2. Data breach settlements in recent years, including instances where TransUnion was found negligent in protecting consumer data.

Transunion Recent Violations for Reference designed to protect consumers.

Demands 1. Immediate Blocking of Fraudulent Accounts : In compliance with Section 605B, fraudulent accounts must be blocked without delay.

2. Written Updates Only : I will not accept automated or electronic responses. All correspondence must be mailed to the address above.

3. Removal of Fraudulent Information : All fraudulent accounts must be permanently removed from my credit report. 

XXXX XXXX  Account # : XXXX Account Type : Revolving Revolving Bureau Code : Individual Individual Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$4300.00} High Credit : {$4300.00} Credit Limit : {$4100.00} Past Due : {$4300.00} Your negligence in handling disputes, failure to comply with federal laws, and disregard for consumer rights have caused me irreparable harm. I will hold TransUnion accountable for all violations and take necessary legal action to protect my rights.

This letter serves as formal notice, and you are now legally obligated to comply with my demands under all applicable consumer protection laws.

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