Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS VIOLATION OF FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL LAW To Whom It May Concern, This is a formal legal dispute and final demand for the immediate deletion of the bankruptcy public record and all associated accounts being inaccurately reported on my TransUnion credit file under my name, XXXX XXXX XXXX. These items are being reported without full and proper verification, violating multiple federal laws including the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), the Bankruptcy Code, and the Federal Rules of Evidence.

BANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court XXXXXXXX XXXX  Case # : XXXX ACCOUNTS REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} LEGAL VIOLATIONS COMMITTED : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681b ( a ) ( 2 ) No documented permissible purpose for furnishing these items FCRA 609 ( a ) ( 1 ) I demand full documentation used to verify the accounts and bankruptcy FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : Name, contact, and job title of the person who verified these items The method, source, and date of verification UCC 3-501 & 1-308 I demand presentment of original contracts and reserve all rights Federal Rule of Evidence XXXX XXXX or XXXX data must be legally authenticated Bankruptcy Code 524 ( a ) ( 2 ) Reporting discharged debt post-bankruptcy violates federal injunction I DO NOT CONSENT TO e-OSCAR AUTOMATION This dispute must be reviewed by a qualified individual, not routed through the e-OSCAR system. A response stating verified without documentation is not valid under FCRA 611 and will not be accepted.

I DEMAND THE FOLLOWING DOCUMENTS WITHIN 15 CALENDAR DAYS : Certified copies of the bankruptcy court filings used to report Case # : XXXX Original signed contracts, billing statements, or any documentation relied on to verify the accounts A full method of verification, including : Name, job title, and direct contact number of the verifier The source, method, and date of verification If this documentation can not be produced, you must immediately delete the accounts and bankruptcy.

LEGAL DEADLINE 15 CALENDAR DAYS You have 15 calendar days from the date this notice is received to : Permanently delete Bankruptcy Case # XXXX Remove the listed accounts from my credit file Provide written confirmation and verification documentation FAILURE TO COMPLY WILL RESULT IN : Immediate complaints to the CFPB, FTC, and Illinois Attorney General Filing for binding arbitration through JAMS A civil lawsuit seeking : Damages under FCRA 616 & 617 Compensation for emotional distress, credit defamation, and financial loss Statutory and punitive damages This is your final legal warning. I expect full compliance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief