Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXXSubject: Immediate Action Required Under FCRA 605B (15 USC 1681-2) - Demand for\nRemoval of Fraudulent Information\nTo Whom It May Concern,\nThis letter serves as an official demand for the immediate removal of fraudulent and inaccurate\ninformation from my credit report pursuant to the Pair Credit Reporting Art (FCHA) Section 605B,\ncodified at 15 U.S. Code 1681-2: Under this provision, you are legally obligated to block\nfraudulent information from my credit report within four (4) business days of receiving this\nformal notification.\nThe following accounts have been falsely reported to your agency and must be blocked without\ndelay as they are the direct result of identity theft and were never authorized by me:XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1692g- Validation of debts - I\nrequest validation under 15 US Code 1692g- Validation of debts. If information is not provided or\nthe false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-complianceXXXX XXXX XXXX XXXX - Under 15 U.S. Code 1692g- Validation of debts - I\nrequest validation under 15 US Code 1692g- Validation of debts. If information is not provided or\nthe false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-complianceXXXXXXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1692g- Validation of debts - I\nrequest validation under 15 US Code 1692g- Validation of debts. If information is not provided or\nthe false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1692g- Validation of debts - I\nrequest validation under 15 US Code 1692g- Validation of debts. If information is not provided or\nthe false reporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance.XXXX XXXX XXXX  - Under 15 U.S. Code 1692g- Validation of debts - I request\nvalidation under 15 US Code 1692g- Validation of debts. If information is not provided or the false\nreporting isn't removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnyou may be liable for your willful non-compliance.\nThese accounts were fraudulently opened using my personal information, and I have attached\nall neccessary supporting documentation (such as my identity theft aftidavit. police report, and any\nadditional records you may require). Failure to comply with FCRA Section 605B in not only a\nvialation of my rights under federal law but also exposes your agency to potential civil lability.\nAs stipulated under FCRA 605B:\n1.) You are required to block this information from my credit report no later than four (4)\nbusiness days from the receipt of this notice.\n2.) The fraudulent accounts must be removed from my credit file and no longer appear in any\nfuture credit reports issued by your agency\n3.) You are prohibited from re inserting these fraudulent items unless you have a good faith\nbasis to believe that the information in accurate, If such action is taken, you are further required to\nprovide me with written notice of this reinsertion within five (5) business days, detailing the\nbasis for your decision.\nPlease understand that this is not a request but a formal demand for compliance with federal\nlaw. Your failure to respond and take appropriate action will be met with the immediate pursuit of\nall available legal remedies, including but not limited to complaints filed with the Consumer\nFinancial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and civil litigation\nunder the FCRA.\nI expect to receive written confirmation that the fraudulent accounts listed above have been\nblocked and permanently removed from my credit file as required by law.\nThis matter requires your immediate attention, and 1 anticipate your prompt and thorough\ncompliance.XXXX XXXXFCRA 605B (15 USC 1681-2)\nIdentification & Social Security Card"

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