Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXXDemand Letter to TransUnion Regarding Identity Theft and FCRA ViolationsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion,XXXXPursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, I, XXXX XXXX, am\nwriting to formally demand the immediate investigation and removal of fraudulent information\nfrom my credit report, as identified in my Federal Trade Commission Identity Theft Report\n(FTC Report Number: XXXX). As a victim of identity theft, I am exercising my rights\nunder Section 605B of the FCRA, which mandates the prompt deletion of any information\nresulting from identity theft upon receipt of a valid identity theft report.\nA deep scan audit of my credit reports has revealed the following fraudulent accounts and\ninquiries, which must be removed immediately:\n Fraudulent AccountsXXXX XXXX XXXX XXXX  Account Number: XXXX XXXX XXXX XXXX total XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX, discovered XXXX XXXX total\nfraudulent amount: XXXX  Fraudulent Credit InquiriesXXXX XXXX, dated XXXX XXXX XXXX XXXX XXXX XXXX  dated 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 XXXX XXXX XXXXUnder FCRA Section 605B, TransUnion is required to block this fraudulent information within\nfour (4) business days of receiving this letter and the attached FTC Identity Theft Report.\nFurthermore, pursuant to FCRA Section 623(a)(6), you are obligated to notify the furnishers\nof this information (XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX of the identity theft\nclaim and provide them with a copy of my identity theft report. Failure to comply with these\n1\nrequirements constitutes a willful violation of the FCRA, subjecting TransUnion to liability\nunder 15 U.S.C.  1681n.\nAdditionally, I demand that TransUnion provide me with a detailed method of verification\nfor each item investigated, including the steps taken to confirm the accuracy of the disputed\ninformation, as required by FCRA Section 611(a)(6). This documentation must be sent to\nme in writing within thirty (30) days of receipt of this letter.\nBe advised that my consumer rights will not be violated. Should TransUnion fail to comply\nwith its obligations under the FCRA, I am prepared to pursue all available legal remedies,\nincluding but not limited to filing a complaint with the Consumer Financial Protection Bureau\n(CFPB) and seeking damages for any harm caused by your noncompliance.\nTo ensure immediate action, I have enclosed a copy of my FTC Identity Theft Report and\nsupporting documentation. I expect written confirmation of the removal of the fraudulent\naccounts and inquiries, along with an updated copy of my credit report, within the timeframe\nprescribed by law.\nGovern yourself accordinglyXXXX XXXX XXXX XXXX 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 explanation