Consumer complaint received 2025-11-17 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: KS

Complaint narrative:
XXXX TransUnion Letter IDENTITY THEFT VICTIM FORMAL DISPUTE & CEASE-AND-DESIST NOTICE Date : XX/XX/XXXX Via Certified Mail & Email From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Email : XXXX Date of Birth : XX/XX/XXXX XXXX ( Last 4 ) : XXXX To : TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts, Inquiries, and Address RE : Cease & Desist Immediate Deletion Required Under Federal & State Law To Whom It May Concern : I, XXXX XXXX, am an identity theft victim and am formally disputing multiple fraudulent accounts, inquiries, and address information currently appearing on my TransUnion credit file. This letter serves as a Demand to Cease and Desist and a Request for Immediate Deletion pursuant to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 I did not authorize, open, apply for, or benefit from the items listed below. Their presence is the direct result of identity theft.

I. Identity Theft Report & Notice of Dispute In accordance with 15 U.S.C. 1681g ( e ), I have filed an FTC Identity Theft Report and have disputed the fraudulent items with XXXX, XXXX, and TransUnion.

TransUnion is now legally obligated to block, investigate, and delete all fraudulent information pursuant to FCRA 1681c-2.

II. Fraudulent Accounts to Be Removed 1. XXXX XXXX Account No. : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} Fraudulent Not Authorized 2. XXXX / XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$150.00} Fraudulent Not Authorized 3. XXXX / XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$350.00} Fraudulent Not Authorized III. Fraudulent Inquiry to Be Removed XXXX XXXX  XXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Result of Identity Theft IV. Factual & Legal Basis for Removal 1. No Valid Contract or Obligation Exists XXXX has confirmed that no signed application, contract, or authorization exists linking me to these accounts.

2. Improper Access & Disclosure of Personal Information My identifying information was improperly used and disclosed to third parties ( including XXXX XXXX and XXXX XXXX  ), violating the GLBA and consumer privacy requirements.

3. Failure to Establish Chain of Custody Furnishers can not provide evidence of a legitimate account creation process, required validation, or legally compliant transmission of data.

4. FDCPA 1692c ( b ) Violation Unauthorized Third-Party Communication As noted in
Hunstein v. Preferred Collection and Management Services, the Eleventh Circuit held that transmitting debtor data to a third-party vendor violates 1692c ( b ). Similar unauthorized sharing occurred in my case.

5. Federal & State Law Prohibit Furnishing Fraudulent Data Once an identity theft report is submitted, continued reporting is a willful FCRA violation and carries statutory penalties.

V. Relevant Case Law Holding TransUnion Liable 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) Supreme Court held TransUnion liable for failing to ensure the accuracy of consumer reports.

2. Hammer v. TransUnion LLC, No. 1:21-cv-02840 ( N.D. Ill. 2023 ) Found liable for failing to correct fraudulent credit data.

3. Smith v. TransUnion LLC, No. 2:22-cv-00517 ( D. Nev. 2024 ) Continued reporting of fraudulent information deemed a willful FCRA violation.

TransUnion is therefore on notice of potential legal consequences if it continues reporting or fails to delete these fraudulent entries.

VI. Formal Demands I hereby demand that TransUnion : 1. Immediately cease and desist from reporting, sharing, or collecting on the fraudulent accounts, inquiry, or address listed above.

2. Permanently delete all fraudulent accounts, inquiries, and related data from my credit file.

3. Block all information derived from identity theft under FCRA 1681c-2.

4. Stop all sharing of my personal data with any third party lacking my explicit written consent.

5. Provide written confirmation that the deletions have been completed.

6. Respond within five ( 5 ) calendar days of your receipt of this notice.

Failure to comply will result in immediate escalation.

VII. Attached Documentation FTC Identity Theft Report Supporting documentation relating to fraudulent accounts and communications Notarized Affidavit of Fraud Copy of this letter VIII. Potential Consequences if Not Resolved If these fraudulent items are not removed immediately, I reserve the right to : File complaints with the CFPB, FTC, and Kansas Attorney General Pursue civil remedies under the FCRA, FDCPA, and state law Seek damages, attorneys fees, and any other relief provided by law This matter requires urgent attention. I expect full compliance under federal law. 

Sincerely, 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