Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
This letter is a formal dispute and legal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act, and all applicable federal and state consumer laws.

I am demanding the immediate deletion, traffic block, and compensation for TransUnions reckless reporting of false insurance-related data and unauthorized dissemination of my personal information, which has directly resulted in insurance denial, financial injury, and ongoing emotional distress. 

FALSE & DEFAMATORY INFORMATION Your report inaccurately attributes the following violations to my name : XX/XX/XXXX Unlawful Use of Vehicle / Abandoned Vehicle / Major Violation XX/XX/XXXX Failure to Yield / Stop / Pedestrian Violation Let me be absolutely clear : I was not involved in any such incident on or around those dates. I have never abandoned a vehicle, committed unlawful use of a motor vehicle, or been cited for any major violation. This information is demonstrably false, defamatory, and illegal to publish without proper substantiation. 

I demand proof of citation, court disposition, and DMV record to justify the inclusion of this data. If you can not produce official government documentation from a verifiable law enforcement source, this data must be deleted immediately under FCRA 1681i.

ILLEGAL INSURANCE DISCLOSURE WITHOUT PERMISSIBLE PURPOSE Your agency allowed this misinformation to be transmitted to insurance carriers for the purpose of determining my premium and insurability. You did this without my consent, in violation of FCRA 1681b, which governs the permissible purposes for releasing consumer reports. I never authorized TransUnion to furnish my consumer data to insurers, and your actions directly caused my denial of coverage and increased financial hardship. 

The FCRA is crystal clear : no consumer report may be furnished to a third party without a legitimate, certified purpose and consumer authorization. TransUnion has not only failed to meet that standard, but your actions have now triggered multiple violations that expose your agency to civil liability under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

TRAFFIC BLOCK REQUEST FCRA 1681c-2 In accordance with my rights under 15 U.S.C. 1681c-2, I am formally invoking my right to a TRAFFIC BLOCK of the above-listed false violations and all insurance data referencing said events.

Because : I am a victim of identity theft and A confirmed victim of the TransUnion data breach, and The disputed information is false, unsupported, and has caused denial of basic services TransUnion is legally obligated to block and permanently suppress this information from all future disclosures, within 4 business days of receiving this letter.

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