Consumer complaint received 2025-05-04 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:
Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Demand for Removal of Fraudulent XXXX XXXX Account Identity Theft, XXXX Data Breach, FCRA Violation To Whom It May Concern, I am writing to demand the immediate removal of the XXXX XXXX account currently being reported on my credit file. As I have previously notified TransUnion, I am a victim of identity theft, and this account was fraudulently opened using my personal information without my knowledge or consent. 

Background of Identity Theft and Data Breach My personal information was compromised in the XXXX data breach, which has led to multiple fraudulent accounts being opened in my name including the XXXX XXXX account currently on my credit report. I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Resubmission of Documentation To avoid any misunderstanding, I am once again submitting a copy of my identity theft report and other supporting documents previously provided to TransUnion, which clearly show that I am a victim of identity theft and that this XXXX XXXX account is fraudulent. 

Legal Requirements and TransUnions Obligation Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), once a consumer submits an identity theft report, the credit reporting agency is legally obligated to block the reporting of the fraudulent account within four ( 4 ) business days. Specifically, the statute states : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

TransUnion was already notified regarding the fraudulent nature of this XXXX XXXX account, and more than four business days have now passed. The continued reporting of this account is a clear and ongoing violation of the FCRA.

My Legal Rights Failure to comply with the FCRA subjects TransUnion to civil liability under : 15 U.S.C. 1681n ( willful noncompliance ) : statutory damages of {$100.00} {$1000.00}, punitive damages, attorneys fees, and costs.

15 U.S.C. 1681o ( negligent noncompliance ) : actual damages, attorneys fees, and costs.

Final Notice and Demand While I am prepared to pursue legal action to recover damages, I am offering TransUnion a final opportunity to cure this violation. I will refrain from pursuing legal action if you : Immediately remove the XXXX XXXX account from my credit file, and Provide written confirmation of the removal within 10 business days of the date of this letter.

If TransUnion fails to comply, I will escalate this matter by filing additional complaints with the CFPB, FTC, and pursuing all available legal remedies.

Thank you for your immediate attention to this matter. 

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 explanation