Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I m writing to formally dispute the validity and accuracy of a collection account currently listed on my TransUnion credit report. 
TransUnion continues to WILLFULLY fail to reinvestigate several collections disputed by me in compliance with FTC identity theft victims XXXX This letter serves as official notice of dispute, and outlines multiple Willful violations of federal law, including the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines for identity theft victims. 
See Reyes v. Trans Union, LLC Filed : XX/XX/year>XXXX  See TransUnion LLC v. Ramirez, Jury 's Finding of Willful Violations : The jury found that TransUnion 's actions, particularly regarding the OFAC alerts, were " willful '' and in violation of the FCRA See Ramirez v. TransUnion LLC case awarded a class of 8,185 consumers the largest to date Fair Credit Reporting Act ( FCRA ) verdict, consisting of {$8.00} XXXX in statutory damages and {$52.00} XXXX in punitive damages. 
Disputed Account : Creditor or Collector : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Amount {$2400.00} XXXX  Federal Law Violations Committed by TransUnion : 1. Incorrect Date of First Delinquency ( DOFD ) The Date of First Delinquency reported on this account is inaccurate, in direct violation of 15 U.S. Code 1681c ( a ) ( 4 ). This misreporting improperly extends the reporting period and undermines the accuracy of my credit file. 
2. Failure to Report the Required Account Removal ( Fall-Off ) Date TransUnion has willfully refused to list the scheduled date when this negative account must be removed from my credit file, as required by 15 U.S. Code 1681c1 ( b ) and related FTC guidance. This obstructs my right to monitor the accounts reporting lifespan and ensure fair treatment.

3. Failure to Mark the Account as Disputed I have submitted a formal dispute of this account, yet TransUnion has willfully failed to mark the account as " disputed by the consumer '', which is a required action under 15 U.S. Code 1681i ( c ) and 1681s-2 ( a ) ( 3 ). By omitting this notation, TransUnion misrepresents the accuracy and completeness of the information, exposing me to unjustified credit harm. 
4. Failure to Provide Documentation of Authenticity in Alleged Identity Theft Case I have reason to believe this account may be fraudulent or the result of identity theft. Under the FCRA and FTC Identity Theft Victim Guidelines, TransUnion is required to provide : o A copy of the original credit application bearing my signature, and o A copy of the original signed contract or agreement.

To date, TransUnion has failed or refused to provide these documents, further violating the law and depriving me of the opportunity to verify whether this debt is even mine. 
5. Willful and Reckless Disregard for Federal Law 15 U.S. Code 1681n The pattern of ignoring required consumer protections, omitting critical disclosures, and failing to follow federal reinvestigation procedures constitutes willful non-compliance with the FCRA. Under 1681n, TransUnion is subject to statutory and punitive damages, as well as attorneys fees and costs.

XXXX Formal Demands : In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I hereby demand the following : Immediate reinvestigation of the disputed account ; Provision of all documentation used to verify the accuracy and ownership of the debt, including the original application and signed contract ; Correction of the Date of First Delinquency to reflect the accurate default date with the original creditor ; Immediate listing of the correct account fall-off date ; Immediate addition of a notation on the account stating that it is disputed by the consumer ; Removal or correction of the account if accurate and complete verification can not be provided. 
Please respond to this request within the 30-day timeframe mandated by the FCRA. I also request that you send me a free updated copy of my credit report upon completion of your investigation.

Failure to correct this reporting and comply with federal law will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and may lead to legal action under 15 U.S. Code 1681n and 1681o.

Compensation requested : Statutory damages : {$1000.00} per violation. 
Actual damage : harm credit denial, Employment denial Actual damage : Violation of my rights as Identity theft victim Actual damage : Emotional distress as XXXX XXXX citizen Actual Damage : violation of my rights as XXXX XXXX  citizen a Protected Class Punitive damages : For willful violations. 
Attorneys fees and costs Removal of this account from my credit report

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