Consumer complaint received 2025-06-22 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 XXXX XXXXXXXX, PA XXXX Subject : Final Legal Demand Cease Reporting of Fraudulent XXXXXXXX XXXX XXXX  Account / Method of Verification and Debt Validation Required To Whom It May Concern : This letter serves as my final legal notice and dispute regarding the fraudulent XXXXXXXX XXXX XXXX account currently being reported on my TransUnion credit report. I have previously disputed this account and submitted valid documentation under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Yet, the account continues to be reported as accurate, which is both factually incorrect and legally unjustifiable. 

I was a documented victim of the XXXX  data breach, during which my personal identifying information was exposed. As a result, multiple unauthorized accounts were fraudulently opened in my name, including the XXXX credit card in question. In addition, my mail was unlawfully diverted to an unknown address, making it even more difficult for me to detect and prevent fraudulent activity. These facts are further documented in my identity theft report, which I am re-submitting with this letter. 

I. TransUnions Reliance on e-OSCAR or Furnisher Data Is Legally Insufficient As outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation. Courts have ruled that blindly accepting automated results or unverified responses from furnishers like XXXX fails to meet this legal standard : Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) : The CRA must do more than merely parrot information received from other sources. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : A CRA must conduct an independent verification, not merely rely on the furnisher 's word. 

If your reinvestigation relied solely on XXXX unsubstantiated response or an e-OSCAR transmission, it is not legally sufficient, and continued reporting constitutes willful noncompliance. 

II. Formal Demand for Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I formally demand the following under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : A full and detailed description of the procedures used during your reinvestigation ; The name, title, and department of the individual at XXXX who verified the information ; Date and time of all communications with XXXX ; Copies of any and all documents used to confirm this accounts legitimacy. 

In particular, I request the original signed credit application ( either wet ink or verifiable digital signature ). If such documentation can not be produced, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to immediately delete this account.

III. Debt Validation Demand FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) If a third-party debt collector has furnished this account, I invoke my rights under the Fair Debt Collection Practices Act to demand full validation of the debt, including : The name of the original creditor ( XXXX ) ; A full, itemized breakdown of the alleged debt ; A signed application or agreement bearing my signature ; Proof that XXXX or its agent is legally authorized to collect or report this debt. 

Failure to validate this debt mandates its immediate deletion and cessation of collection activity. 

IV. Reporting After Identity Theft Report Is Illegal 15 U.S.C. 1681c-2 ( a ) I have submitted a formal identity theft report. Under 15 U.S.C. 1681c-2 ( a ), TransUnion must block this account from appearing on my credit report within 4 business days of receiving the report. In XXXXXXXX XXXX XXXXXXXX, the court confirmed that the CRA must block the item regardless of the furnisher 's position. 

V. Final Legal Notice Before Civil Action If you do not comply within 7 calendar days, I will pursue civil litigation under : 15 U.S.C. 1681n Willful Noncompliance 15 U.S.C. 1681o Negligent Noncompliance 15 U.S.C. 1692k FDCPA Damages I will also file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office You are further reminded of In re XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX. XXXX ), in which Equifax paid {$570.00} XXXX for failing to fulfill its legal obligations. 

VI. My Legal Demands Accordingly, I demand : Immediate deletion of the fraudulent XXXX credit card account from my report ; Full method of verification, including names, departments, and source documentation ; Full debt validation documentation from XXXX or its agent ; Written confirmation of deletion ; Written assurance that this account will not be reinserted without full legal compliance under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Should you fail to comply, I am prepared to take all necessary legal action to protect my rights. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Copy of U.S. Passport Recent Utility Bill CFPB Identity Theft Recovery Guide FCRA 605B Rights Summary XXXX Identity Theft 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