Consumer complaint received 2025-04-20 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: MI

Complaint narrative:
FORMAL DEMAND LETTER TO XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX, XXXX Legal & Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of My Public Account Information and Reversal of Unauthorized Loan Transfer Dear XXXX XXXX XXXX, This is a formal demand requiring immediate correction of two serious consumer rights violations caused by your company.

1. Exposure of My Private Account Number You published the following public vehicle listing : XXXX XXXX XXXX This page exposed or linked to my personal XXXX  account number a piece of private financial information tied to my vehicle purchase. This account number should never have been made public. I did not give permission for this information to be shared or listed anywhere outside of secure communications.

The exposure of my account number constitutes a serious breach of privacy and puts me at risk for fraud and identity theft.

2. Unauthorized Loan Servicing Transfer to XXXX XXXX transferred servicing of my loan to XXXX without my knowledge, notice, or consent. I did not authorize this relationship. I never signed a servicing agreement with XXXX. Despite this, they are now reporting an account in my name to credit bureaus without legal authority and without a valid consumer contract.

This loan servicing transfer is fraudulent by nature and has caused reputational and financial harm through inaccurate credit reporting.

My Demands Are as Follows : 1. Immediate removal of any and all public-facing materials showing or linking to my XXXX account number. 
2. A written explanation describing how long this exposure occurred, how many users may have accessed it, and what security failure allowed it.

3. A copy of any documentation that shows I consented to the loan servicing transfer to XXXX. 
4. A direct request from XXXX to XXXX demanding they remove the unauthorized tradeline from all credit reporting agencies. 
5. Written acknowledgment from XXXX accepting responsibility for this incident and outlining how you intend to prevent this from happening to other customers.

6. Appropriate compensation for the breach of my privacy and any harm to my credit profile.

You Have 15 Business Days to Respond If I do not receive a full and satisfactory response within 15 business days, I will escalate this matter through : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Michigan Attorney Generals Office And, if necessary, initiate civil legal proceedings for damages under federal and state law.

Your companys mishandling of my data and loan terms is unacceptable. I am prepared to pursue this through every available legal and regulatory channel. 

Sincerely, XXXX 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