Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Immediate Deletion Request Fraudulent XXXX Account Reporting Disputed Creditor : XXXX XXXX XXXX XXXX  Vehicle VIN : XXXX DOB / Last 4 SSN : XXXX To Whom It May Concern, This letter serves as a formal and final demand to remove the tradeline associated with XXXX XXXX XXXX XXXX from my TransUnion consumer credit file. The account is currently reporting as charged off and is associated with the above-referenced vehicle. The entire history of this account is factually and legally defective and must be deleted immediately pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Legal Basis for Immediate Deletion : The account is based on a fraudulently filed lien by XXXX, made through the submission of forged documents and a knowingly false affidavit to the Illinois Secretary of State. 
I am the lawful owner of the vehicle, and XXXX never possessed a legally perfected lien. The Secretary of State has since issued a corrected title in my name only, proving XXXX  claim was baseless and manufactured through deception. 
XXXX has violated multiple laws, including but not limited to : 720 ILCS 5/17-3 Forgery 625 ILCS 5/3-104 False affidavit to the state 815 ILCS 505/2 Illinois Consumer Fraud and Deceptive Business Practices 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly reporting false information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) ( 4 ) Re-aging a charged-off account In addition, the account has been assigned, yet it continues to report as a charge-off by XXXX, which misrepresents the current ownership and violates FCRA 1681e ( b ).

This account has never been reported accurately in over two years, and its continued presence materially damages my credit profile.

Formal Demand : Under your obligations as a consumer reporting agency, you are required to conduct a reasonable investigation and ensure all reported data is factually and legally accurate. Given the overwhelming and irrefutable proof of error and fraud in this matter, TransUnion must remove this account immediately.

Please confirm deletion in writing within 15 calendar days from receipt of this notice. Failure to comply will result in formal complaints being filed with the CFPB, FTC, Illinois Attorney General, and legal action for all damages permitted under FCRA 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX  Office of Executive Resolution / Legal Department XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Remedy and Resolution Proposal VIN : XXXX FCRA, Forgery, Title Fraud, and Credit Reporting Dispute To Whom It May Concern, This letter is submitted in connection with my formal demand dated XX/XX/XXXX, relating to the falsified vehicle title documentation, unlawful lien activity, and ongoing credit reporting violations associated with the above-referenced vehicle and account. 

Despite repeated efforts to alert XXXX to these unlawful and materially damaging issues, you ignored my documented concerns and knowingly disregarded your fiduciary duties. You continued to act as if your lien claim was lawfuldespite overwhelming evidence to the contraryand persisted in damaging my credit and personal standing even after receiving formal dispute notices. This pattern of misconduct reflects not only willful negligence but a systemic failure to adhere to the standards imposed on fiduciaries and federally chartered financial institutions. 

Proposed Path to Resolution : While I reserve all rights under state and federal law, I am willing to resolve this matter through a mutually agreeable, confidential financial settlement and corrective action. To avoid escalation, I request that XXXX or its authorized legal representative respond within fifteen ( 15 ) calendar days. 

I am prepared to resolve all claims in exchange for the following : Remove the account immediately from all credit reporting agencies. This includes TransUnion, XXXX, XXXX, XXXX, XXXX, and any other party with access to or sharing inaccurate tradeline data. 
Issue a written acknowledgment that the lien claim and title correction submitted to the Illinois Secretary of State were made in error or without lawful authority. 
Provide a one-time financial settlement in the amount of {$75000.00}, which represents : Actual and statutory damages under the Fair Credit Reporting Act and Illinois consumer fraud statutes Punitive damages for knowingly submitting falsified documentation and ignoring dispute evidence Emotional distress, reputational injury, and time lost correcting XXXX actions Cease all further claims, liens, account references, or legal assertions related to this vehicle, account, or title. 
Willingness to Negotiate : To date, I have filed over 14 formal complaints with the Consumer Financial Protection Bureau ( CFPB ), each supported by certified documentation showing title forgery, false affidavits, and illegal credit reporting. I remain willing to negotiate in good faith and resolve this dispute without further legal actionprovided that XXXX responds promptly and in a manner consistent with its legal obligations and ethical responsibilities. 

Let me be clear : XXXX continued failure to remedy this situationdespite clear documentary evidenceconstitutes a knowing breach of fiduciary duty. You had a legal and ethical obligation to act in good faith and lawfully. Instead, you knowingly submitted falsified documents, misreported my credit, and continued to interfere with my ownership rights and credit standing for over two years.

If I do not receive a written response within 15 calendar days, I will escalate this matter to the appropriate regulatory bodies, continue legal filings, and pursue full litigation without further notice. 

Sincerely, XXXX XXXX XXXX XXXX Veteran 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