Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Immediate Enforcement Demand for Permanent Deletion of Compromised, Inaccurate, and Unverifiable Information Due to the XX/XX/year> TransUnion Data Breach & Federal Violations.

To Whom It May Concern : On or about XX/XX/year>, TransUnion publicly acknowledged a major security breach that compromised the data of millions of consumers, including my own. 

As a result of this breach, the chain of custody, accuracy, and reliability of my consumer file have been permanently destroyed. 

Because your systems failed to protect consumer data, you no longer have the legal or technical capacity to verify the accuracy of any tradeline in my file. By law, that means the only lawful remedy is permanent deletion. 

This breach has already caused me measurable harm, including : Denial of credit opportunities, Emotional distress and reputational damage due to inaccurate reporting. 

Higher interest rates and financial setbacks caused by reliance on a compromised credit file. 

XXXXnvasion of privacy and ongoing fear of identity misuse.

Statutory Framework Requiring Deletion The following federal provisions make clear that deletion is mandatory in this case : * FCRA 602 ( a ) ( 1 ) - ( 4 ) : Inaccurate reporting threatens financial security, employment, and housing. TransUnion 's breach created systemic inaccuracy that places me at risk in all areas.

* FCRA 604 ( a ) ( 3 ) ( F ) ( ii ) : You may only furnish reports when they are accurate and reliable. Your breached system invalidates this statutory requirement.

* FCRA 605 ( b ) : Consumer reporting agencies must maintain reasonable procedures to assure accuracy. The breach proves such procedures failed.

* FCRA 609 ( a ) ( 1 ) ( A ) : I am entitled to see every source and method of verification.Since the breach broke the chain of custody, no legitimate verification is possible.

* FCRA 611 ( a ) ( 5 ) ( A ) - ( C ) : Where accuracy can not be verified, deletion is mandatory.This statute leaves no room for " reinvestigation. '' * FCRA 623 ( b ) ( 2 ) : Furnishers must cease reporting once notified of systemic errors.This letter constitutes direct notice.

* FDCPA 15 U.S.C. 1692e ( 8 ) : It is a deceptive practice to communicate or maintain information known to be inaccurate. Continuing to report my tradelines post-breach qualifies as deceptive.

* FTC Safeguards Rule ( 16 C.F.R. Part 314 ) : You failed to implement safeguards to protect consumer data. The compromise itself is proof of noncompliance.

* CROA ( 15 U.S.C. 1679b ) : Any misrepresentation about the accuracy or security of my file will trigger additional federal violations.

( Accounts to be Permanently Deleted ) I am demanding the immediate and permanent deletion of the following tradelines : 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

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