Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Vice President, Chief Legal XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Immediate Legal Demand for Removal of Fraudulent Addresses from Credit Report Dear XXXX XXXX and XXXX XXXX, This letter serves as a formal and urgent demand for the immediate removal of fraudulent and inaccurate addresses from my TransUnion credit report. Your continued reporting of these erroneous addresses constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) regulations, and infringes upon my consumer rights as enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Office of the State Attorney General. 

Personal Information for Verification : Full Name : XXXX XXXX Social Security Number ( last four digits ) : XXXX Date of Birth : XX/XX/XXXX Fraudulent Addresses to Be Removed Immediately : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX Legal Basis for Immediate Removal : Under 15 U.S.C. 1681e ( b ) of the FCRA, TransUnion is legally obligated to maintain maximum possible accuracy in consumer reports. The inclusion of these fraudulent addresses indicates a severe breach of this duty. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate or unverifiable must be deleted within 30 days of a dispute notification. I am formally disputing these addresses as fraudulent ; therefore, TransUnion must act without delay to remove them.

Additionally, under 15 U.S.C. 1681c-2, I am exercising my right to block fraudulent information from appearing in my credit file. Non-compliance with this federal mandate will compel me to escalate this matter to the FTC, CFPB, and the Office of the State Attorney General for enforcement action.

Immediate Action Required 4-Day Compliance Window : This letter serves as TransUnions final notice. If the aforementioned fraudulent addresses are not removed within four ( 4 ) calendar days from the date of this letter, I will initiate the following actions : 1. File formal complaints with the FTC, CFPB, and the Office of the State Attorney General regarding TransUnions non-compliance and willful disregard for federal consumer protection laws.

2. Pursue civil litigation against TransUnion for willful violations of the FCRA, negligence, defamation, and for financial damages incurred due to inaccurate reporting.

3. Seek statutory and punitive damages as permitted under 15 U.S.C. 1681n, which allows for recovery of up to {$1000.00} per violation, in addition to attorneys fees and court costs.

Enclosed are copies of my government-issued identification and proof of current address to facilitate your verification process.

Failure to comply with this demand within the specified timeframe will result in immediate legal action against TransUnion. I expect written confirmation of the permanent removal of these fraudulent addresses from my credit report no later than four ( 4 ) days from your receipt of this letter. 

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 explanation