Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear TransUnion Legal Department , This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my credit file. I have filed an official report with IdentityTheft.gov ( FTC Report # XXXX ) and submitted multiple dispute notices to TransUnion, including letters dated XX/XX/XXXX and XX/XX/XXXX. 

I have not granted TransUnion or any third-party furnisher permission to report, share, or sell any of my personal or financial data. I have not entered into agreements for the accounts listed below. These entries are being maintained on my credit file without a permissible purpose, in

violation of 15 U.S.C. 1681b. Additionally, under 15 U.S.C. 1681c-2, TransUnion is prohibited fro
m reporting any information that may be the result of identity theft after formal notice has been submitted which this letter and my FTC Identity Theft Report now represent. 

It is well known that many data furnishers can not produce original applications, signed contracts, or documents bearing my wet signature because none exist. As such, you are legally obligated to delete these items without delay. 

Disputed Accounts ( Must Be Permanently Deleted ) XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX 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 XXXXXXXX Unauthorized Hard Inquiries ( Must Be Deleted ) XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Legal Basis for Immediate Deletion : 15 U.S.C. 1681b You are furnishing/maintaining information with no permissible purpose or written consent. 

15 U.S.C. 1681c-2 You are required to block or remove information that may be the result of identity theft once notified.

A CFPB Complaint has been opened TransUnion is under review for failing to conduct proper reinvestigations as required under 15 U.S.C. 1681i.

I also remind you that continued publication, distribution, or re-reporting of unverified, unauthorized, or fraudulent information will be considered willful noncompliance and subject to legal action. 

Required Action : Immediately delete all accounts and hard inquiries listed above. 

Provide written confirmation of deletion within 15 calendar days. 

Cease all reporting, furnishing, or reselling of any information on my credit file without verified and documented authorization. 

Failure to Comply Will Result In : Escalated complaints filed with the FTC, CFPB, and New Jersey Attorney Generals Office Civil litigation for violations of 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect full deletion and written confirmation within the timeframe provided.

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