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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of XXXX XXXXXXXX XXXX and XXXX XXXX Bankruptcy Dear TransUnion Dispute Department, I am formally disputing the reporting of the following items on my credit report : XXXX XXXXXXXX XXXX  XXXX XXXX Bankruptcy Upon reviewing my credit file, I have identified multiple violations of federal consumer protection laws, specifically : Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) Unauthorized disclosure of my nonpublic personal information. 
Fair Credit Reporting Act ( 15 U.S.C. 1681b ) Lack of permissible purpose for the reporting of this account and bankruptcy.

Aggravated Identity Theft ( 18 U.S.C. 1028A ) Unauthorized or potentially fraudulent reporting of these items. 
These violations have resulted in the unauthorized dissemination of my personal financial information, negatively impacting my creditworthiness and consumer rights. 

XXXX. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and consumer reporting agencies are prohibited from disclosing nonpublic personal information without my explicit consent. 
Resolution Demand : Provide documented proof that I explicitly authorized TransUnion to collect, store, and report this account and bankruptcy on my credit file. 
If such proof can not be provided, these items must be permanently deleted from my credit report for failure to comply with federal privacy laws. 

XXXX. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The Fair Credit Reporting Act ( 15 U.S.C. 1681b ) requires that a consumer reporting agency only furnish a credit report under specific, permissible purposes, such as a valid credit transaction initiated by the consumer. 
Resolution Demand : Provide verifiable documentation proving that I authorized TransUnion to report these items. 
Under FCRA 611 ( a ) ( 7 ), I request : The name and contact details of the entity that verified these items. 
A copy of the original documentation used for verification. 
The method of verification used. 
If TransUnion can not provide this documentation, these items must be deleted immediately for failure to establish a permissible purpose. 

XXXX. Violation of 18 U.S.C. 1028A Aggravated Identity Theft The unauthorized reporting of inaccurate or fraudulent information on a consumers credit report may constitute identity theft under 18 U.S.C. 1028A. 
Resolution Demand : If TransUnion can not verify 100 % accuracy of these items, including my signed contractual agreement, these items must be deleted immediately from my credit report. 
TransUnion must conduct an internal review to prevent future unauthorized reporting of potentially fraudulent items. 

XXXX. Formal Demand for Deletion and Legal Compliance Under FCRA 611 ( a ) ( 1 ) ( A ), I demand that TransUnion conduct a formal reinvestigation of these items within 30 days. If this matter is not resolved, I will escalate the issue by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I reserve the right to pursue legal action under FCRA 616 & 617, which entitles me to statutory damages of up to {$1000.00} per violation, plus punitive damages. 

XXXX. Compliance Deadline and Final Notice I expect a written response within 30 days confirming the removal of these items from my credit file. If TransUnion continues to report this unauthorized, inaccurate, and unverified information, I will take all necessary legal and regulatory actions to protect my consumer rights. 

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