Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Demand for Permanent Deletion of Disputed Accounts and Inquiries FCRA Violations & Class Action Involvement To Whom It May Concern, I am formally demanding the immediate and permanent deletion of multiple inaccurate and unauthorized items currently reported in my TransUnion credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I am a confirmed class member in the federal lawsuit : XXXX XXXX XXXX, XXXX XXXX TransUnion, XXXX Case No. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX  Notice ID : XXXX | PIN : XXXX XXXX XXXX As confirmed in the class action, your internal dispute investigation process has been legally identified as violating FCRA XXXX ( a ) by failing to conduct reasonable investigations into disputed inquiries. This failure directly compromises the validity of your reporting of associated credit accounts. 

Under the FCRA, the accuracy of an account can not be separated from the inquiry that led to its creation. If the underlying inquiry was not lawfully verified, then the resulting tradeline has no legal foundation. Your failure to investigate the inquiry constitutes a failure to validate the associated account under FCRA 1681i ( a ) ( 2 ) and 1681s-2 ( b ). You are currently reporting both types of data in violation of federal law. 

Therefore, this letter serves as a formal demand for the immediate deletionnot reinvestigationof all disputed accounts and inquiries identified below, each previously submitted to the Consumer Financial Protection Bureau with an official complaint number. 

Disputed Items by CFPB Complaint Number : CFPB Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not a request for reinvestigation. This is a formal legal demand for the full and immediate deletion of each item listed above. Failure to comply within XXXX days will be treated as willful noncompliance and may result in legal action under FCRA 1681n and 1681o. Please send a confirmation letter that the accounts have been deleted to XXXX XXXX XXXX XXXX XXXX XXXX 

Sincerely, 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