Consumer complaint received 2025-02-26 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:
TransUnion, EquXXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin.

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.

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