Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Regulation F and FCRA Legal Demand Failure to Verify, Investigate, or Delete Disputed Items FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department, This letter serves as a formal legal demand under Regulation F ( 12 CFR 1006 ) and the Fair Credit Reporting Act ( FCRA ) to delete unauthorized, inaccurate, and unverified items from my TransUnion credit file. I previously submitted a detailed written dispute on XX/XX/XXXX, and have filed an official FTC Identity Theft Report ( # XXXX ). Despite these notices, TransUnion continues to report items that were not authorized by me, are likely tied to identity theft, and can not be substantiated by any lawful documentation. 

You have failed to comply with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) by not providing a description of your reinvestigation procedures or the method of verification. You are in violation of 15 U.S.C. 1681b by continuing to furnish information without my written authorization or permissible purpose. And under 15 U.S.C. 1681c-2, you are required to block or delete any information associated with identity theft upon receiving noticewhich this letter and my FTC report clearly provide. 

Furthermore, TransUnion is now in violation of Regulation F, which mandates timely, transparent, and verifiable consumer communications regarding the reporting and investigation of credit accounts. No such validation has been provided. 

Disputed Accounts ( Must Be Permanently Deleted ) : XXXXXXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXXL Acct XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXXXXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX Unauthorized Inquiries ( Must Be Deleted ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX You Have Failed to : Provide the method of verification for the above accounts Produce original applications or documents bearing my wet signature Block identity theft-related accounts under 1681c-2 Comply with Regulation F standards for validation and communication Immediate Legal Demands : Immediately delete all accounts and inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease all reporting, furnishing, or resale of my credit data without verified authorization Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation for violations under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final legal notice. I expect full deletion and a written response within 15 days of receipt of this letter.

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