Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX for XXXX XXXX XXXX TransUnion, LLC I. INTRODUCTION AND NATURE OF COMPLAINT This Notice serves as a formal identity theft complaint and demand for investigation and regulatory enforcement against TransUnion, LLC ( hereinafter TransUnion ), a nationwide consumer reporting agency, pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., the XXXX XXXX, XXXX XXXX. XXXX, the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and the Privacy Act of XXXX ( XXXX XXXX. XXXX ). 

TransUnion has repeatedly and willfully violated federal consumer protection statutes by : Knowingly publishing and reporting false, inaccurate, and incomplete trade-line data despite formal disputes submitted under FCRA XXXX XXXX XXXX XXXX. XXXX ) ; Commercializing and monetizing my Personally Identifiable Information ( PII ) and federally registered trademark without my consent, authorization, or legal basis ; Engaging in unfair, deceptive, and fraudulent business practices to unjustly enrich themselves at the expense of my identity, brand, and consumer rights. 

XXXX. FACTUAL BASIS AND BACKGROUND False and Inaccurate Reporting : TransUnion has continued to furnish and publish erroneous, misleading, and defamatory trade-lines that do not belong to me or are inaccurate, incomplete, unverifiable, or outdated. Disputes were submitted in accordance with XXXX XXXX. XXXX ( a ), and yet TransUnion failed to conduct a reasonable reinvestigation, as required by law. 

Unauthorized Use of Federally Protected Trademark : The trade name and identity associated with the reported data is a federally protected trademark on file with the United States Patent and Trademark Office under Serial Number : XXXX. TransUnion has knowingly used my intellectual property for its own financial gain and commercial purposes, in violation of the XXXX XXXX, constituting willful trademark infringement and false association, actionable under XXXX XXXX. XXXX ( a ). 

Aggravated Identity Theft and Monetization of PII : By knowingly using, selling, and distributing my private and proprietary identity information and brand in consumer files sold to third parties, debt collectors, and financial institutions, TransUnion has committed aggravated identity theft under XXXX XXXX. XXXX, especially where this use resulted in unlawful financial transactions, account activity, or credit denials that injured my person and estate. 

Unjust XXXX and XXXX Practices : TransUnion 's continued monetization of my personal and intellectual property without lawful claim or authorization constitutes unjust enrichment and conversion, actionable under both federal common law and state consumer protection statutes. The corporation profits by selling data reports containing private, inaccurate, or disputed content while willfully ignoring multiple certified demands for correction and removal. 

XXXX. SUPPORTING CASE LAW XXXX XXXX TransUnion LLC, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affd in part, revd in part, TransUnion LLC XXXX XXXX, XXXX XXXX ___ ( XXXX ) : The XXXX Supreme Court held that TransUnions willful reporting of misleading and incorrect information regarding a large class of consumers credit fileswithout verifying or removing such data despite disputesconstitutes a violation of FCRA and is subject to monetary and injunctive relief. The Court further emphasized that consumers suffer a concrete reputational harm when false information is sold to third parties. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Established precedent that entities collecting and monetizing PII without proper consent, and failing to adhere to industry standards, are liable for negligence, identity misuse, and breach of duty. 

XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) : Affirms that unauthorized use of XXXX without actual damagesgives rise to statutory damages under the Privacy Act of XXXX when the data holder fails to secure or properly handle a subjects private identity information. 

FTC XXXX TransUnion XXXX, XXXX. XXXX C XXXX ( XXXX XXXX XXXX ) : TransUnion was previously enjoined by the FTC for deceptive marketing and use of consumer reports in violation of the FCRA. Despite prior enforcement actions, TransUnion continues to operate in bad faith and noncompliance, warranting renewed regulatory enforcement. 

IV. LEGAL VIOLATIONS ASSERTED TransUnions conduct amounts to multiple willful violations of federal law, including but not limited to : FCRA ( XXXX U.S.C. XXXX ( b ), XXXX ) failure to ensure maximum possible accuracy ; failure to correct and delete disputed data ; XXXX XXXX ( XXXX XXXX. XXXX ) unauthorized commercial use and infringement of protected trademark ; XXXX XXXX. XXXX aggravated identity theft by unauthorized and injurious use of PII ; XXXX XXXX. XXXX violation of the Privacy Act through misuse of private data for commercial benefit ; Common Law Tort of Defamation and Unjust Enrichment willful and reckless publication of false information and financial benefit from the use of anothers identity and brand. 

V. DEMAND FOR RELIEF AND FTC ENFORCEMENT ACTION In light of the egregious violations detailed above, I respectfully and firmly demand the following from the Federal Trade Commission : Immediate investigation into TransUnions identity theft, trademark infringement, and data misuse practices ; Civil and/or criminal referral to the Department of Justice where applicable under XXXX U.S.C. XXXX ; Issuance of a formal FTC Civil Investigative Demand ( CID ) to audit TransUnion 's consumer reporting and data marketing practices ; Formal injunctive relief to halt further unauthorized distribution or monetization of my identity, XXXX, and federally protected trademark ; Order TransUnion to permanently delete all inaccurate, unverified, or unauthorized data entries associated with my name or trade-name causing defamation, harm, damage, and injury to my person and creditworthiness ; Full disclosure and accounting of all XXXX  parties to whom my consumer report and identity data have been sold or transmitted ; Maximum civil penalties and monetary sanctions authorized under the FCRA, XXXX XXXX, and applicable FTC enforcement XXXX. 

VI. CLOSING NOTICE AND RESERVATION OF RIGHTS Let it be known that TransUnions continued inaction, evasion, or negligent response to disputes, demands, or correction notices will be deemed willful and malicious, and I reserve the right to pursue civil damages in federal court or arbitration, as well as to initiate a class action against TransUnion for systemic violations under XXXX U.S.C. XXXX, XXXX XXXX. XXXX, and related statutes. 

All rights reserved, without prejudice, 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 non-monetary relief