Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer Financial Protection Bureau ( CFPB ) TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Violations of the Fair Credit Reporting Act ( FCRA ), Failure to Remove Unauthorized Accounts To Whom It May Concern, This letter serves as my final formal notice to TransUnion regarding your repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., and federal law protecting consumer rights. Despite my multiple submissions of the FTC Fraud Affidavit, drivers license, and proof of address in accordance with 605 ( b ), you have failed to delete the unauthorized accounts and fraudulent information from my consumer report. XXXX and XXXX have already complied with my demands and removed the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your ongoing refusal to remove these accounts constitutes willful non-compliance with your statutory obligations and reflects a pattern of negligence that is unlawful and injurious. 
Violations of Federal Law 1. 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy Under this section, TransUnion is required to ensure the maximum possible accuracy of the information on a consumers report. Your continued reporting of unauthorized accountsdespite receiving sufficient documentationdemonstrates a violation of this duty. The Supreme Court case TransUnion LLC v. Ramirez ( XXXX XXXX XXXX XXXX, XXXX ) affirmed that TransUnion had failed to follow reasonable procedures, resulting in demonstrable harm to consumers. You are repeating these same violations in my case. 
2. 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation TransUnion has received multiple dispute notices from me, yet you have failed to reinvestigate and remove clearly unauthorized accounts. Federal law mandates that reinvestigations must be reasonable and completed within 30 days. Your failure to act is a blatant disregard of this provision. 
3. 15 U.S.C. 1681b ( a ) Permissible Purpose Continuing to report and disseminate unauthorized accounts to third parties without my consent or a permissible purpose under the law constitutes a violation of 1681b ( a ). Your actions are an unlawful invasion of my privacy and have caused direct harm to my financial standing. 
4. 15 U.S.C. 1681g Failure to Provide Accurate File Disclosure You have also failed to provide a proper explanation or resolution to my dispute, which violates your duty under this section to provide consumers with accurate file information and a clear statement of their rights under the FCRA. 
5. Fraudulent Intent & Constitutional Violations Your repeated refusal to correct the inaccuracies, despite overwhelming documentation, suggests a pattern of fraudulent intent to harm my financial standing. By holding unauthorized information against my will, you are violating my Fifth Amendment rights to due process and equal protection under the law. 
TransUnions Established History of Non-Compliance Your actions mirror TransUnions long-standing history of violating the FCRA, as evidenced in legal cases such as : TransUnion LLC v. Ramirez ( XXXX ) Highlighted TransUnions failure to follow reasonable procedures, resulting in harm to thousands of consumers. 
XXXX XXXX XXXX XXXX  ( XXXX ) TransUnion was held accountable for failing to ensure accuracy in its reports, particularly regarding public record information. 
XXXX XXXX XXXX XXXX ( XXXX ) Demonstrated negligence in handling reinvestigations and ensuring compliance with the FCRA. 
These cases illustrate TransUnions repeated disregard for federal law, and your actions against me are no different. 
Demand for Immediate Action In accordance with federal law, I demand that TransUnion immediately and permanently delete the following unauthorized accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply will leave me no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
2. Pursue civil action under 15 U.S.C. 1681n for willful non-compliance and damages, including statutory penalties of {$1000.00} per violation, actual damages, punitive damages, and attorney fees. 
3. Hold your back-office leadership personally accountable for their failure to comply with federal law under XXXX statutes for fraudulent and intentional misrepresentation of information. 
Conclusion TransUnions refusal to follow federal law and your continued fraudulent reporting have caused undue harm to my financial well-being and peace of mind. Your conduct is not only unlawful but also deeply unethical. This letter is your final opportunity to resolve this matter before legal and regulatory actions are initiated. 
I expect written confirmation of the removal of the aforementioned accounts within 15 days of receipt of this letter. 
Sincerely, 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