Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Immediate Investigation and Permanent Deletion/Block of Unverifiable, Inaccurate, and Impermissibly Retained Personal Information Account/Report Number : Not known please locate my file using my personal information below Dear TransUnion, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681a, 1681b, 1681c, 1681e ( b ), 1681g, 1681i ( a ) ( 5 ) ( A ) ( C ), 1681i ( a ) ( 6 ), and the Consumer Financial Protection Bureaus Regulation V ( 12 C.F.R. 1022 ), you are legally obligated to maintain the maximum possible accuracy and completeness of all information in consumer files and to permanently delete or block the reporting of any information you can not verify within 30 days. 

After reviewing the Data Privacy section of my consumer file accessed on XX/XX/XXXX, I discovered numerous items that are inaccurate, incomplete, outdated, misleading, and/or incapable of ever being verified to Metro 2 standards. Continued retention and dissemination of these items constitutes willful and negligent noncompliance with the FCRA. 

ITEMS REQUIRING IMMEDIATE AND PERMANENT DELETION/BLOCK : 1. XXXX XXXX : XXXX This number is outdated, was never provided by me as a current contact, and can not be verified as belonging to me at any time relevant to credit decisions. 
Retention violates 15 U.S.C. 1681e ( b ) ( accuracy ) and 12 C.F.R. 1022.42 ( reasonable policies to assure maximum possible accuracy ).

2. Historical Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address contains formatting errors and is incomplete/outdated. You have no documentation from me verifying residency at this location during any period relevant to credit decisions. 
Continued retention violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( C ) ( obsolete information ).

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These identifiers are non-FCRA personal information used for marketing and profiling, not credit eligibility. 
You have no permissible purpose under 15 U.S.C. 1681b to retain or re-disclose these identifiers once I have revoked consent for prescreening and marketing use.

Retention violates 15 U.S.C. 1681b ( a ) ( permissible purpose ), 1681e ( a ) ( reasonable procedures to limit dissemination to permissible purposes ), and constitutes an ongoing invasion of privacy under XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXXt seq. ) and common-law right of privacy. 

LEGAL DEMANDS YOU ARE HEREBY ON NOTICE : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) & ( B ), within 30 days you must : Conduct a reasonable reinvestigation of the above items ; Delete or permanently block the reporting of any item you can not verify with original-source, Metro 2-compliant documentation signed by me ; Provide me written results and a revised copy of my consumer report with all disputed items removed.

Pursuant to 15 U.S.C. 1681g ( a ) ( 2 ) and 12 C.F.R. 1022.136, you must also disclose the name, address, and phone number of every entity that furnished each of the above items, including any third-party data brokers or device-fingerprinting vendors. 

Failure to permanently delete or block the above items within 30 days will constitute a willful violation of the FCRA, subjecting TransUnion to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, costs, and attorney fees under 15 U.S.C. 1681n & 1681o.

I have retained copies of this letter and all supporting documentation. I will not hesitate to pursue all available remedies in federal court and with the Consumer Financial Protection Bureau. 

You are instructed to communicate with me in writing only. Any phone contact will be treated as harassment under the Fair Debt Collection Practices Act and applicable state law. 

Sincerely, XXXX XXXX XXXX Enclosures : Screenshots of TransUnion Data Privacy page dated XX/XX/XXXX Copy of drivers license / proof of current address ( optional but recommended )

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 explanation