Consumer complaint received 2025-05-26 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: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Notice of Intent to Sue FCRA Violations Related to Fraudulent XXXX XXXX  Credit Card Account ( Identity Theft ) To Whom It XXXX Concern, This letter serves as formal notice of my intent to file a lawsuit against TransUnion LLC for willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) in connection with your continued reporting of a fraudulent XXXX XXXX  credit card account on my credit report. 

I am a verified victim of identity theft whose personal information was exposed in the well-documented XXXX  data XXXX. As a result of that breach, an account was fraudulently opened in my name with XXXX XXXX. I have no affiliation or agreement with XXXX XXXX  regarding this credit card account, and I have never authorized or used this account. 

I have submitted all documentation required under 15 U.S.C. 1681c-2 ( FCRA 605B ) to TransUnion, including : A valid police report or identity theft affidavit, Proof of my identity, A written statement identifying the fraudulent XXXX XXXX  account XXXX and A declaration that the account is the result of identity theft. 

Legal Obligations under the FCRA According to FCRA 605B, once a consumer reporting agency is notified of identity theft with appropriate documentation, it must block the reporting of the fraudulent item within four ( 4 ) business days. The law clearly prohibits leaving the disputed item on a consumers credit report during the course of an investigation. The account must be removed first ; investigation may follow only if warranted.

TransUnions continued reporting of the XXXX XXXX  accountdespite having received all required documentationconstitutes a clear violation of your statutory duties. 

Applicable Case Law Your agency has already been held accountable in court for similar failures : XXXX XXXX TransUnion, XXXX, No. XXXX ( XXXX. XXXX XXXX ) TransUnion was found liable for failing to block a fraudulent account after receiving proper identity theft documentation. The court allowed claims under FCRA 1681c-2 and 1681i to proceed, reinforcing that the blocking of fraudulent items must occur promptly after notice. 

XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case emphasized that credit reporting agencies must conduct a reasonable investigation once a consumer initiates a dispute. Failure to do so can result in legal and financial liability. 

Civil Penalties for Noncompliance TransUnion is now exposed to civil liability for violations of : 15 U.S.C. 1681n Willful noncompliance ( statutory damages of {$100.00} {$1000.00} per violation, punitive damages, and attorneys fees ).

15 U.S.C. 1681o Negligent noncompliance ( actual damages and attorneys fees ).

Final Demand for Immediate Action I hereby demand that TransUnion : Immediately and permanently delete the fraudulent XXXX XXXX  credit card account from my credit file ; Provide written confirmation of its removal within XXXX calendar days of the date of this letter. 

Failure to comply will result in me filing suit in federal court, where I will pursue all remedies provided by the FCRA, including damages, injunctive relief, and attorneys fees. 

You are now on formal notice. Any continued failure to act in accordance with federal law will be treated as willful noncompliance. 

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