Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Please see the attached documents : TransUnion Fraud Victim Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX, XXXX : XXXX XX/XX/XXXX Subject : Demand for Deletion of Inaccurate and Unverifiable Information | Notice of Violations Dear TransUnion, I am formally disputing the accuracy, completeness, and verifiability of the following account ( s ) being reported on my credit file : XXXX. XXXX XXXX Account # : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account # : XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$45000.00} Date Opened : XX/XX/XXXX FRAUDULENT HARD INQUIRIES TO BE REMOVED : XXXX. XXXX XXXX Date of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX  DATE OF INQUIRY XXXX XXXX. XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX  DATE OF INQUIRY XXXX XXXX. XXXX XXXX AUTO FIN DATE OF INQUIRY XXXX XXXX. XXXX XXXX XXXX  DATE OF INQUIRY XXXX XXXX. XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX XXXX DATE OF INQUIRY XXXX XXXXXXXX XXXX XXXX XXXX OF INQUIRY XXXX XXXX. XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX. XXXX THRIFT AND LOAN DATE OF INQUIRY XXXX XXXX. ALLFINANC DATE OF INQUIRY XXXX XXXX. XXXX XXXX XXXX DATE OF INQUIRY XXXX XXXX. GLOBALLEND DATE OF INQUIRY XXXX XXXX. XXXX XXXX NA DATE OF INQUIRY XXXX XXXX. XXXX XXXX DATE OF INQUIRY XXXX INACCURATE ADDRESSES TO BE REMOVED : XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX INCORRECT EMPLOYER TO BE REMOVED : XXXX XXXX ENCLOSED DOCUMENTS FOR VERIFICATION : Copy of government-issued ID Utility bill for address verification FTC Identity Theft Affidavit CFPB complaint Attorney General complaint XXXX  complaint Evidence of XXXX data breach Copy of FCRA 605B Copy of XXXX  lawsuit ( as precedent ) LEGAL NOTICE : If these accounts and inquiries are not blocked and removed within four ( 4 ) business days as required under FCRA 605B , I will have no choice but to initiate legal action against Experian for : Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : You are required to maintain maximum accuracy in your reporting.

15 U.S.C. 1681i : You must reinvestigate disputed information within 30 days. 
15 U.S.C. 1681s-2 : You may not report inaccurate or incomplete data.

Additionally, under FCRA 1681b and 1681c-1, as amended in the aftermath of the Equifax data breach affecting over XXXX XXXX consumersincluding myselfyou are required to apply heightened fraud protections when notified of identity theft or unauthorized access. I am placing you on formal notice that I KNOW my personal information was compromised, and you are now obligated to treat all unverified inquiries and accounts with the utmost scrutiny. 
As of this writing, these accounts remain unverified and incomplete in violation of federal law. I am requesting immediate deletion of these accounts until proper verification can be provided. 
Formal Demand : 1. Permanently delete the disputed accounts.

2. Provide complete, original signed contracts and documentation as required by law. 
3. Provide a detailed description of your method of verification.

Failure to comply within 5 business days will result in escalation to appropriate authorities. 
Respectfully, 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 non-monetary relief