Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
# URGENT UPDATE TO CFPB COMPLAINT # # TransUnions Latest Promise and Continued FCRA Violations * * Date : * * XX/XX/year> * * To : * * Consumer Financial Protection Bureau * * Via CFPB Consumer Complaint Portal * * * * CC : * * TransUnion LLC, Consumer Relations Department * * From : * * XXXX XXXX XXXX * * Email : * * XXXX * * Re : * * Update to Ongoing TransUnion Fraud Case - New Promise of Removal and Continued Violations * * Previous Reference : * * File XXXX * * New Reference : * * File XXXX -- -- - # # EXECUTIVE SUMMARY - CONTINUED DOCUMENTATION OF TRANSUNIONS PATTERN I am providing this urgent update to document TransUnions latest promise to remove the fraudulent bankruptcy from my credit report. This represents yet another instance in their established pattern of false promises and systematic FCRA violations spanning XXXX months. 

* * As I continue this journey of having the fraudulent bankruptcy permanently removed from my TransUnion credit report, I am meticulously documenting every communication with TransUnion to establish their ongoing pattern of deceptive practices and consumer abuse. * * -- -- - # # LATEST TRANSUNION COMMUNICATION - XX/XX/year> # # # Representative Information - * * Name : * * XXXX ( Special Handling Department ) - * * Refused to provide : * * Last name or employee ID number - * * Reference File : * * XXXX - * * Promise Made : * * Permanent removal within XXXX business working days - * * Action Claimed : * * Sending ID and Social Security card to maintenance department for removal processing # # # FCRA Violations in This Communication * * 15 U.S.C. 1681i ( g ) - Consumer Identification Requirements : * * TransUnions representative XXXX refused to provide adequate identification ( last name, employee ID ), violating consumers rights to identify representatives handling their sensitive financial information.

* * 15 U.S.C. 1681e ( b ) - Reasonable Procedures : * * Requiring consumers to provide identification documents for information that TransUnion has already confirmed belongs to another XXXX XXXX violates reasonable procedure requirements. 

-- -- - # # ESTABLISHED PATTERN OF FALSE PROMISES # # # Historical Timeline of TransUnions Deceptive Practices * * XX/XX/year> : * * First confirmation of mixed file with another XXXX XXXX * * XX/XX/year> : * * Supervisor XXXX promised removal within XXXX business days ( File XXXX ) * * XX/XX/year> : * * Written confirmation stating bankruptcy does not appear on your TransUnion credit report * * XX/XX/year> : * * Multiple confirmations of removal followed by admission of re-insertion * * XX/XX/year> : * * Current promise by XXXX of removal within XXXX business days ( File XXXX ) * * This represents the fourth separate promise of removal for the same fraudulent information spanning nearly XXXX months. * * -- -- - # # FCRA VIOLATIONS IN REQUIRING ADDITIONAL DOCUMENTATION # # # * * 15 U.S.C. 1681i ( a ) ( 1 ) - Reasonable Reinvestigation Violation * * TransUnions requirement for additional identity documentation violates FCRA reasonable reinvestigation standards because : 1. * * Mixed File Already Confirmed : * * File XXXX documents TransUnions confirmation that my file was mixed with another XXXX XXXX XXXX. * * Previous Written Confirmation : * * XX/XX/year> letter confirmed bankruptcy was already removed XXXX. * * No Basis for Re-verification : * * TransUnion admitted the bankruptcy was fraudulently re-inserted without any new information 1. * * Burden Shifting : * * Requiring consumers to provide documentation for TransUnions confirmed errors violates FCRA investigation requirements # # # * * 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy Violation * * Demanding identity verification for information TransUnion has repeatedly confirmed as inaccurate demonstrates willful failure to maintain reasonable procedures for accuracy.

# # # * * 15 U.S.C. 1681c - Requirements for Information Violation * * Continuing to report information belonging to another XXXX XXXX while demanding additional consumer verification violates reporting accuracy requirements. 

-- -- - # # SYSTEMATIC CONSUMER ABUSE PATTERN # # # TransUnions Established Methodology of Abuse 1. * * Confirm Mixed File : * * Internal acknowledgment that information belongs to another person 1. * * Promise Removal : * * Provide specific timeline and reference numbers 1. * * False Written Confirmation : * * Send official correspondence claiming removal 1. * * Re-insert Information : * * Deliberately restore fraudulent information to credit report 1. * * Demand Additional Documentation : * * Require consumers to prove their identity for TransUnions confirmed errors 1. * * Repeat Cycle : * * Start process again with new promises and reference numbers * * This methodology appears designed to exhaust consumers while maintaining profitable inaccurate reporting. * * -- -- - # # PRIVACY AND SECURITY VIOLATIONS # # # Unnecessary Exposure of Sensitive Documents TransUnions demand for ID and Social Security card transmission violates consumer privacy by : - * * Creating unnecessary identity theft risk * * through document transmission - * * Violating data minimization principles * * by demanding documents for confirmed errors - * * Failing to protect consumer information * * through repeated handling of sensitive documents - * * Ignoring established verification * * already completed during account setup and previous disputes * * 15 U.S.C. 1681e ( b ) * * requires reasonable procedures to protect consumer information, which TransUnion violates by demanding unnecessary document transmission.

-- -- - # # REPRESENTATIVE IDENTIFICATION VIOLATIONS # # # Marias Refusal to Provide Adequate Identification * * FCRA Section 611 ( f ) - 15 U.S.C. 1681i ( f ) : * * Consumers have the right to reasonable identification of persons handling their credit information. 

XXXX refusal to provide : - Last name for proper identification - Employee ID number for accountability - Adequate contact information for follow-up This violates consumers rights to identify and hold accountable TransUnion representatives handling their sensitive financial data. 

-- -- - # # DEMANDED IMMEDIATE CFPB ACTION # # # Pattern Documentation Complete This latest communication with XXXX completes the documentation of TransUnions systematic abuse pattern : - Multiple false promises with specific timelines - Written confirmations followed by fraudulent re-insertion - Demands for unnecessary documentation - Representative accountability violations- Continued FCRA violations despite ongoing CFPB complaint # # # Required Enforcement Actions 1. * * Immediate Cease and Desist : * * Stop TransUnions pattern of false promises and re-insertion fraud 1. * * Permanent Removal Order : * * Court-supervised removal of fraudulent bankruptcy within 24 hours 1. * * Enhanced Penalties : * * Maximum civil monetary penalties for established pattern of willful violations 1. * * Representative Training : * * Mandatory training on FCRA identification requirements and consumer rights 1. * * Independent Monitor : * * Third-party oversight of all dispute resolution processes -- -- - # # LEGAL PRECEDENT FOR PATTERN VIOLATIONS # # # Willful FCRA Violations Established Under * * 15 U.S.C. 1681n * *, the established pattern of false promises, re-insertion fraud, and continued violations despite ongoing complaint demonstrates willful conduct warranting maximum statutory damages of {$1000.00} per violation. 

* * Each false promise, each re-insertion, and each demand for unnecessary documentation constitutes a separate willful violation subject to individual penalties. * * -- -- - # # CONSUMER PROTECTION IMPLICATIONS # # # Broader Impact on Consumer Rights TransUnions established methodology of abuse affects not only my case but represents a systematic threat to consumer protection : - * * Exhaustion Strategy : * * Designed to wear down consumers through repeated false promises - * * Profit Maximization : * * Maintaining inaccurate information while appearing to address complaints - * * FCRA Circumvention : * * Using procedural demands to avoid actual compliance - * * Consumer Intimidation : * * Demanding unnecessary documentation for confirmed errors -- -- - # # DOCUMENTATION COMMITMENT * * I will continue documenting every TransUnion communication as I pursue permanent removal of this fraudulent bankruptcy. * * Each interaction reveals new violations and strengthens the case for maximum enforcement action. 

* * Current Status : * * - * * File XXXX : * * XXXX promise of removal within XXXX business days- * * Expected Completion : * * XX/XX/year> - * * Likely Outcome : * * Based on established pattern, another false promise followed by continued reporting -- -- - # # CONCLUSION - ENHANCED ENFORCEMENT REQUIRED XXXX latest promise represents TransUnions fourth separate commitment to remove the same fraudulent information. Their established pattern of false promises, re-insertion fraud, and procedural violations demonstrates willful FCRA violations requiring immediate and enhanced federal enforcement. 

* * The evidence is overwhelming : * * - XXXX months of systematic abuse - Multiple false written confirmations - Documented re-insertion fraud - Pattern of procedural violations - Representative accountability violations- Continued violations despite ongoing CFPB complaint * * TransUnions conduct represents the most egregious systematic consumer abuse, warranting immediate criminal referral and maximum civil penalties available under federal law. * * I respectfully request the CFPB monitor TransUnions compliance with Marias latest promise while preparing enhanced enforcement action for their continued willful violations of federal consumer protection laws. 

* * Respectfully submitted, * * XXXX XXXX XXXX XXXX * * Documentation References : * * - * * Previous File : * * XXXX ( XXXX file confirmation ) - * * Current File : * * XXXX ( Maria/latest removal XXXX ) - * * Pattern Timeline : * * XX/XX/year> - Present ( XXXX months systematic abuse ) * * Expected Next Update : * * XX/XX/year> ( completion of XXXX XXXX promise )

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 explanation