Consumer complaint received 2025-06-08 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:
This letter serves as a formal dispute and final demand for removal of fraudulent information currently appearing on my TransUnion credit report. This reporting is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

I have submitted a valid FTC Identity Theft Report ( Report # XXXX ) as of XX/XX/XXXX, declaring that the account listed below was fraudulently opened without my authorization, and as such must be blocked and removed from my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

FTC ID THEFT REPORT INFORMATION : FTC Report Number : XXXX Victim Name : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX FRAUDULENT ACCOUNT REPORTED BY TRANSUNION : Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$510.00} Status : Charged Off / 120 Days Late Reported by TransUnion : XX/XX/XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX This account was never authorized, and I never initiated any transaction or contract with this creditor. 

LEGAL VIOLATIONS BY TRANSUNION : FCRA 605B Failure to Block Identity Theft Accounts TransUnion is legally obligated to block all accounts reported as identity theft within 4 business days of receiving a valid FTC report. This has not been done.

FCRA 1681i Inadequate Reinvestigation Procedures My prior dispute was marked as resolved with no substantive verification provided, violating the duty to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) Failure to Ensure Accuracy By continuing to report unverifiable and fraudulent information, TransUnion fails to maintain maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Lack of Documentation You have failed to provide any signed contract, itemized billing, or proof that I consented to this account.

FCRA 1681b No Permissible Purpose This account was reported to your bureau without my consent or legal authorization.

TILA ( 15 U.S. Code 1601 ) Inaccurate and Harmful Credit Reporting The continued presence of false credit obligations materially misrepresents my credit profile and violates disclosure standards under TILA.

DEMAND FOR RESOLUTION : Under FCRA 605B and with the support of FTC Report # XXXX, I formally demand : The immediate and permanent deletion of the FST PREMIER account from my TransUnion credit report ; Written confirmation of this deletion within 15 business days ; A full description of the reinvestigation process, as required by FCRA 1681i ( 7 ).

NOTICE OF LEGAL ESCALATION : If the account is not removed and I do not receive a written response within the legal timeframe, I will proceed with : Filing complaints with the FTC, and the Florida Attorney Generals Office ; Pursuing civil damages under FCRA 616 and 617, including costs and attorneys fees ; Sharing all evidence with legal and media outlets to document TransUnions noncompliance. 

This letter constitutes final notice before legal escalation. I expect immediate compliance with federal law. 

Sincerely, 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