Consumer complaint received 2025-06-30 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: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL NOTICE Failure to Verify, Reinvestigate, or Delete Multiple Fraudulent XXXX XXXX Accounts Legal Demand for Immediate Deletion under FCRA & FDCPA Dear TransUnion Compliance Department, This letter serves as my final legal notice and formal demand for deletion regarding multiple fraudulent XXXX XXXX accounts appearing on my TransUnion credit report. I have previously submitted disputes and supporting documentation, including through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, requesting the Method of Verification ( MOV ) in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You have failed to provide the required information. 

The following fraudulent XXXX XXXX accounts must be immediately deleted from my credit report : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, this is to formally reiterate that I am a victim of identity theft stemming from the XXXX  data breach, which exposed sensitive personal information to unauthorized third parties. As a result : False accounts were opened in my name without my consent ; My mail was diverted to an unauthorized address ; Bank accounts were fraudulently opened in my name. 

Despite receiving my Identity Theft Report, including an FTC affidavit, government-issued ID, and proof of address, TransUnion has failed to block these accounts as required by federal law. A copy of my CFPB complaint is enclosed for your reference and evidentiary purposes. 

You are now in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Failure to Provide Method of Verification FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Despite my valid MOV request on XX/XX/XXXX, you have failed to provide : Verification procedures ; Name and title of the verifying party at XXXX XXXX ; Time/date of verification ; Supporting documentation such as signed contracts. 

This failure is a clear statutory violation.

2. Unreasonable Reinvestigation FCRA 1681i ( a ) ( 1 ) ( A ) Courts have ruled that CRAs must independently verify disputes and not blindly rely on furnishers or automated systems such as e-OSCAR. You have failed to conduct a lawful investigation. 

Case Law : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. Failure to Delete Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) You have not verified the disputed XXXX XXXX accounts with signed credit applications or legally sufficient documentation. They must be promptly deleted.

4. Failure to Block Identity Theft Accounts FCRA 1681c-2 ( a ) Upon receiving valid identity theft documentation, you were legally required to bl
ock these accounts within four business days. Your continued reporting of these items violates federal statute. 

Relevant Case : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Debt Validation Failure FDCPA 1692g ( b ) If TransUnion is reporting information obtained from a third-party collector : No signed application has been produced ; No validation of debt has occurred ; No lawful authority has been shown by XXXX XXXX to furnish or collect these debts.

6. Legal Liability and Damages You are now exposed to full civil liability under : FCRA 1681n Willful noncompliance FCRA 1681o Negligent noncompliance FDCPA 1692k Statutory and punitive damages Supporting Judgments : XXXX XXXX Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FINAL LEGAL DEMANDS You are hereby given 4 calendar days from the date of this letter to : Permanently delete all XXXX XXXX accounts listed above from my credit report ; Provide written confirmation of each deletion ; Certify that no account will be reinserted without full compliance with FCRA 1681i ( a ) ( 5 ) ( B ) ; Produce the full Method of Verification documentation relating to all listed accounts, as originally requested through the CFPB on XX/XX/XXXX and since you can not provide this information then this account must be deleted from my credit report immediately. 

Failure to comply will result in immediate litigation and complaints filed with the FTC, CFPB, State Attorney General, and the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX [ Signature, if mailing ] XXXXXXXX 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