Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX XXXX or XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX  CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX RE : FINAL DEMAND FOR REMOVAL OF FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  Consumer File Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * Dear TransUnion, This letter serves as my final demand for the immediate removal of fraudulent and inaccurate information from my credit report, which you have failed to remove despite receiving substantial documentation proving these accounts are the result of identity theft. 

# # BACKGROUND I am the victim of identity theft and have provided you with comprehensive documentation including : - Identity Theft Police Report - FTC Identity Theft Affidavit Report - Government-issued identification - Social Security card - [ Any other supporting documentation you provided ] Despite this evidence, you have failed to remove the following fraudulent accounts from my credit report : 1. * * Fraudulent Bankruptcy Record * * - [ XXXX ] - [ XX/XX/XXXX ] - This bankruptcy is NOT mine and was filed by an identity thief 2. * * Fraudulent Collection Account * * - Creditor : [ XXXX XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Amount : [ {$8000.00} ] - This account was opened fraudulently and is NOT mine # # LEGAL VIOLATIONS Your continued reporting of these fraudulent accounts constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : 1. * * 15 U.S.C. 1681e ( b ) * * - Failure to follow reasonable procedures to assure maximum possible accuracy 2. * * 15 U.S.C. 1681i * * - Failure to conduct reasonable reinvestigation after receiving substantial evidence of inaccuracy 3. * * 15 U.S.C. 1681k * * - Failure to provide required disclosures regarding disputed information 4. * * 15 U.S.C. 1681i ( a ) ( 6 ) * * - Failure to provide the method of verification used during reinvestigation # # FAILURE TO PROVIDE METHOD OF VERIFICATION Despite multiple requests, you have completely failed to provide any explanation of how your representatives were able to validate these fraudulent accounts. Specifically : - I have repeatedly asked how TransUnion was able to validate the bankruptcy record that is clearly not mine- I have repeatedly asked how TransUnion was able to validate the fraudulent collection account - I have requested proof of validation for both accounts - To this date, XX/XX/XXXX, you have provided * * ZERO RESPONSE * * regarding your method of verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide " a description of the procedure used to determine the accuracy and completeness of the information '' when requested by a consumer following reinvestigation. Your complete silence on this mandatory disclosure constitutes a separate and distinct FCRA violation. 

Your failure to explain how you could possibly validate accounts that belong to an identity thief further demonstrates that no reasonable reinvestigation was conducted, in direct violation of 15 U.S.C. 1681i ( a ) ( 1 ).

Your actions appear to be willful violations given the substantial evidence provided, your refusal to remove obviously fraudulent accounts, and your complete failure to comply with mandatory disclosure requirements under the FCRA. 

# # DAMAGES As a direct result of your failure to remove these fraudulent accounts, I have suffered : - [ List specific damages : denied credit applications, higher interest rates, emotional distress, time spent resolving, etc. ] - Ongoing damage to my credit score and creditworthiness - Continued association with fraudulent accounts I did not open # # DEMAND I hereby demand that you : 1. * * Immediately remove * * all fraudulent accounts identified above from my credit report 2. * * Provide written confirmation * * of removal within 10 business days 3. * * Send updated credit reports * * to all parties who received reports containing the fraudulent information within the past 6 months ( or 24 months for employment purposes ) 4. * * Provide compensation * * for damages caused by your FCRA violations # # NOTICE OF INTENT TO SUE If you fail to comply with this demand within * * 15 days * * of receipt, I will pursue all available legal remedies including : - Filing suit in Federal Court under the FCRA for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorney fees- Filing complaints with the Consumer Financial Protection Bureau, California Attorney General, and Federal Trade Commission - Pursuing any additional remedies available under California state law The FCRA provides for attorney fees and costs for successful plaintiffs. I am prepared to pursue litigation if necessary to protect my rights. 

# # PRESERVATION OF EVIDENCE You are hereby directed to preserve all documents, communications, and records related to my credit file and the disputed accounts, as they may be needed for litigation.

I expect your immediate compliance with this demand. Your failure to act will be considered a willful violation of the FCRA and will be addressed through appropriate legal channels. 

Sincerely, XXXX XXXX XXXX * * ENCLOSURES : * * - Copy of Identity Theft Police Report - Copy of FTC Identity Theft Affidavit - Copy of government-issued ID - Copy of Social Security card - [ Any other supporting documentation ] -- - * * CERTIFICATE OF SERVICE * * I hereby certify that a true and correct copy of the foregoing was served by certified mail, return receipt requested, on the date set forth above. 

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 explanation