Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter serves as formal notice of my intent to initiate legal action against TransUnion, LLC for your repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( XXXX ) regarding a fraudulent account reported under my name. 
Fraudulent Account Information Creditor : Applied Bank Account Number : XXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : # XXXX Total Amount : {$5100.00} Timeline of Dispute Attempts XXXX. XX/XX/year> Initial dispute and documentation sent to Transunion CFPB Complaint # : XXXX XXXX. XX/XX/year> Second formal demand sent CFPB Complaint # : XXXX XXXX. XX/XX/year> FTC Identity Theft Report submitted Report # : # XXXX XXXX. XX/XX/year> Third formal demand sent CFPB Complaint # : XXXX Despite my provision of all legally required documentationincluding a valid FTC Identity Theft Report, supporting affidavit, and detailed personal statementTransUnion has refused to delete this account, in direct and knowing violation of the law. 
Violations of Federal Law TransUnion is currently in violation of the following statutes : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Requires deletion of identity theft-related data within XXXX business days of receiving a valid report. TransUnion has failed to do so. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable or fraudulent data within 30 days. This has not been fulfilled. 
XXXX. FCRA 607 ( b ) Requires maximum possible accuracy of all consumer report data. Your continued reporting of this known fraudulent account violates this section. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Furnishers and CRAs must not report fraudulent information after being notified. XXXX XXXX has been flagged, and you remain complicit by continuing to publish false data. 
XXXX. FACTA Red Flags Rule ( 16 CFR 681.2 ) Requires identification and resolution of identity theft indicators. My FTC complaint and dispute history meet these red flag thresholds, which you have ignored. 
XXXX. FCRA 1681n & 1681o TransUnion is now exposed to civil liability for both willful and negligent noncompliance, including actual, statutory, and punitive damages as well as legal fees. 
Summary of Material Harms Your ongoing publication of fraudulent information has resulted in : Repeated denial of credit and financial hardship Emotional distress Reputational damage Interference with my right to a fair and accurate consumer report Demand Before Legal Action I hereby demand the following actions within XXXX calendar days from the date of this notice : XXXX. Permanent deletion of the Applied Bank account from my TransUnion credit file XXXX. A written statement confirming deletion XXXX. A reissued credit report showing this correction XXXX. Notice of correction sent to all third parties who accessed my credit report within the last 6 months under 15 U.S.C. 1681i ( d ) Notice of Lawsuit If I do not receive a satisfactory response within 10 days, I will proceed with filing a lawsuit in Virginia State and Federal Court for violations of : FCRA 605B, 611, 607 ( b ), and 623 FACTA Red Flags Rule Civil damages under 15 U.S.C. 1681n and 1681o This lawsuit will seek : Statutory damages Actual damages Punitive damages Court costs and attorneys fees This is your final opportunity to comply before legal proceedings commence.

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