Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC XXXX XXXX XXXX XXXX Division P.O XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts and Inquiries RE : Demand to Cease and Desist Request for Immediate Deletion of Fraudulent Information Pursuant to Federal Law To Whom It May Concern : I am writing with urgency and grave concern regarding unauthorized, inaccurate, and fraudulent accounts and inquiries being reported under my name, XXXX XXXX. This letter serves as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all disputed information, pursuant to my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and related federal privacy laws. 



IDENTITY THEFT REPORT & NOTICE OF DISPUTE I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) in accordance with 15 U.S.C. 1681g ( e ) and submitted formal disputes to TransUnion, XXXX XXXX XXXX The following accounts were fraudulently opened or reported and were not authorized, initiated, or acknowledged by me. They are the product of identity theft, possibly by a current or former employee or affiliate of your organization. 

Fraudulent Accounts Listed on TransUnion : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$720.00} Also referenced : 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 FACTUAL BASIS FOR DISPUTE The following accounts were opened and reported fraudulently, without my knowledge or consent : XXXX XXXX XXXX {$2600.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$520.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  {$720.00} There is no valid or signed contract that legally binds me to these accounts. 
There is no verifiable chain of custody or legitimate assignment documentation connecting me to any financial obligation regarding these accounts. 
My personal identifying information was used and/or shared without my consent, in violation of the XXXX XXXX ( 15 U.S.C. 6801 ). 
These accounts and related inquiries are being inaccurately reported and must be immediately corrected to avoid further financial and reputational harm. 



LEGAL VIOLATIONS AND FORMAL NOTICE Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they know or have reasonable cause to believe is inaccurate. Continuing to report such information after a formal dispute has been made constitutes a violation of the FCRA and FDCPA. 



YOU ARE HEREBY INSTRUCTED TO : XXXX. Immediately cease and desist all reporting, collection, and communication related to the fraudulent accounts and inquiries listed. 
XXXX. Refrain from sharing or transferring any of my personal or credit data without express written consent. 
XXXX. Permanently delete all fraudulent records from your systems and databases. 
XXXX. Notify all credit reporting agencies of the deletions and corrections. 
XXXX. Provide written confirmation of full compliance within XXXX ( XXXX ) calendar days of receipt of this letter. 



ATTACHED DOCUMENTATION FTC Identity Theft Complaint Supporting Evidence of Fraudulent Reporting Government-Issued ID NON-COMPLIANCE WILL RESULT IN LEGAL ACTION Failure to comply will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, XXXX  Attorney General, and other relevant authorities. I also reserve the right to pursue civil litigation to recover statutory, punitive, and compensatory damages as permitted by law. 



I trust your office will treat this matter with the urgency and seriousness it deserves and take swift corrective action to protect my identity and credit standing. 

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