Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL VIOLATIONS HUMAN INVESTIGATION & DOCUMENT REQUEST To Whom It May Concern, This letter serves as a formal legal dispute and final demand for the immediate deletion of the bankruptcy public record and all associated accounts listed on my TransUnion credit report. These accounts are being reported without proper legal verification, in violation of the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), the Bankruptcy Code, and the Federal Rules of Evidence. 

BANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court Case # : XXXX ACCOUNTS BEING REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance XXXX  XXXX Collection {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} VIOLATIONS BEING COMMITTED : FCRA 1681e ( b ) Reporting must be accurate to the maximum extent possible FCRA 1681b ( a ) ( 2 ) No documented permissible purpose for continued reporting FCRA 609 ( a ) ( 1 ) I demand access to all records used to verify both the bankruptcy and the listed tradelines FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : The name, job title, and contact info of the person who verified each account The exact method, source, and date of verification UCC 3-501 & 1-308 I demand presentment of the original legal obligations, and reserve all rights Federal Rule of Evidence 901 Third-party data ( PACER, XXXX ) must be authenticated or is inadmissible Bankruptcy Code 524 ( a ) ( 2 ) Continued reporting of discharged debts violates the discharge injunction INVESTIGATION REQUEST NO e-OSCAR ALGORITHMS Let me be clear : I am requesting that this dispute be investigated by a qualified human representative, not through the e-Oscar automated dispute system. An e-Oscar verified stamp is not legal validation under FCRA. 

Furthermore, a letter simply stating an account or public record is verified is not evidence. I am demanding full documentation that proves you have legal grounds to report both the bankruptcy and the accounts tied to it. 

DOCUMENTS REQUESTED IMMEDIATELY : You must provide, for each item : The actual bankruptcy court filing ( e.g. Schedule A/B, Schedule F, or list of creditors ) Original signed contracts, account statements, and billing history Name, title, and contact information of the person who verified the information The source, method, and date of the investigation If you can not provide all of the above, then by law you must remove the bankruptcy record and all associated accounts immediately. 

DEADLINE 15 CALENDAR DAYS You have 15 calendar days from receipt of this letter to : Delete Bankruptcy Case # XXXX Remove all listed accounts associated with that case Send written confirmation and copies of all documents used in your investigation IF YOU FAIL TO COMPLY : I will immediately proceed with : Filing complaints with the CFPB, FTC, and Illinois Attorney General Opening binding arbitration through XXXX  Filing a lawsuit for : Willful and negligent noncompliance under FCRA 616 & 617 Credit defamation, emotional distress, and financial injury Statutory and punitive damages under federal law This is your final legal warning. If you do not comply fully, you will be held accountable. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : 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