Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, KS XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Attn : TransUnion Consumer Solutions Fraud XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Request for All Information and Documentation Provided to TransUnion Regarding FraudulenXXXX XXXX  Account # XXXX To Whom It May Concern : This letter serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I hereby request all information and documentation TransUnion has received from XXXX or any third-party furnishers regarding Account # XXXX, which has been fraudulently reported under my name. 

I did not open, authorize, or acknowledge this account. It has been fraudulently attributed to me and illegally transferred to third-party collectors including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX none of whom have a legitimate claim to my identity or financial responsibility.

Enclosed are copies of my government-issued ID, Social Security card , and supporting documentation demonstrating that this account is fraudulent. I am notifying you that further reporting
or dissemination of this account constitutes willful noncompliance with federal law.

Legal Grounds for Immediate Action 1. FCRA 1681g : I have the right to obtain all information in my file, including the sources of that information.

2. FCRA 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher may not report information that it knowsor has reason to knowis inaccurate.

3. FCRA 1681i : TransUnion must conduct a reasonable reinvestigation of disputed information. 
XXXX. XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A credit reporting agency violates the FCRA when it fails to perform a meaningful investigation of disputed items. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that TransUnion, Experian, and Equifax violated the FCRA by continuing to report inaccurate information without proper verification. 
Additional Legal Authority Prohibiting Improper Collection 6. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) : It is unlawful to misrepresent the legal status of a debt or use deceptive means to collect a debt. A creditor who no longer owns the debt may not attempt collection or imply it holds legal authority to do so.

7. FCRA 1681s-2 ( b ) : Once notified of a dispute, furnishers must investigate and correct or delete any unverifiable information. Continuing to report or act on a debt they no longer own is a willful violation. 



Factual Basis for Dispute I have never signed, authorized, or agreed to any contract with XXXX XXXX 
The alleged account was illegally transferred to third parties with no documentation proving proper assignment or validation. 
This constitutes a violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

Your continued reporting of this item is misleading, damaging, and unsupported by lawful evidence.

Demand for Immediate Action 1. Provide all documents and correspondence received by TransUnion regarding XXXX Account # XXXX. 
XXXX. Immediately remove and block all data and reporting related to this fraudulent account. 
XXXX. Cease all further reporting or transfer of this account information. 
XXXX. Provide written confirmation of your compliance within five ( 5 ) calendar days of receipt of this demand.

Should you fail to comply, I will pursue all remedies under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and initiating legal action for actual, statutory, and punitive damages, as well as attorneys fees. 

Sincerely, 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