Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attention : TransUnion Dispute Department I, XXXX XXXX, residing at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  XXXX, affirm under penalty of perjury under the laws of the United States and the Commonwealth of XXXX  that the following is true and correct : I. DISPUTED TRADELINES REPORTED BY TRANSUNION The following tradelines are currently reported by TransUnion and are hereby disputed for inaccuracy, unverifiability, or failure to comply with legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Pennsylvania consumer protection law : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX. GROUNDS FOR DISPUTE Each account involves one or more of the following statutory deficiencies : Inaccurate or unverified derogatory notations Absence of a valid Date of First Delinquency ( DOFD ) Improper re-aging or redundant reporting of delinquencies Lack of certified, original-source documentation from data furnishers Failure to conduct a reasonable reinvestigation upon dispute Ongoing reporting of identity theftrelated activity in violation of 1681c-2 III. VIOLATIONS BY TRANSUNION AND/OR DATA FURNISHERS These accounts have been challenged under the following FCRA provisions : 1681e ( b ) : Failure to maintain procedures ensuring maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable and independent reinvestigation 1681i ( a ) ( 5 ) ( B ) : Reinsertion of deleted data without certification or consumer notice 1681c ( a ), 1681c ( c ) ( 1 ) : Reporting of re-aged or obsolete information 1681c-2 : Failure to block identity theftrelated data upon notice 1681g ( a ) ( 1 ), ( 3 ) : Incomplete or suppressed file disclosures 1681n, 1681o : Civil liability for willful or negligent noncompliance\n IV. TRADELINE-SPECIFIC FINDINGS A. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX shows a XXXX late mark with no delinquency pattern or contextual history Status lists Open and Pays as agreed, yet derogatory notations remain No investigation outcome or documentation validating delinquency was provided Violations : 1681e ( b ), 1681g ( a ), 1681i ( a ) ( 6 ), 1681c-2 XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX late appears as an isolated derogatory event, unsupported by history or DOFD Payment gaps from XXXX to XX/XX/XXXX suggest reporting inconsistency No verifiable reinvestigation results ; tradeline affected by identity misuse Violations : 1681e ( b ), 1681i ( a ), 1681c ( c ) ( 1 ), 1681c-2 V. CERTIFICATION OF XXXX  XXXX  STATUS I am a certified victim of XXXX  XXXX, as documented in a Self-Attestation dated XX/XX/XXXX, prepared by Agape Advocacy Consulting, a DOJ-trained NGO recognized under XXXX  Property Code 123.001. 
Under 15 U.S.C. 1681c-2, TransUnion is legally obligated to block identity theftrelated data within four business days of receiving proper documentation. This duty has not been met. 

VI. EVIDENTIARY STANDING & ENFORCEMENT RESERVATION A. Burden of Proof & XXXX  Rules of Evidence Once documentation is provided, the burden shifts to TransUnion to produce original, independently verifiable evidence justifying continued reporting. 
Under the XXXX  Rules of Evidence ( XXXX. R.E. ) : 803 ( 6 ) : This affidavit is a valid business record 901 ( b ) ( 1 ) : Authenticated by my personal knowledge 1002 & 1003 : Copies satisfy the Best Evidence Rule 902 ( 11 ) : Certified records are self-authenticating 701 : I am competent to testify as a lay witness\n B. Reinsertion Restriction 1681i ( a ) ( XXXX ) ( B ) No previously deleted data may be reinserted unless : The furnisher certifies accuracy in writing The consumer is notified within five business days\n C. Enforcement Reservation If violations persist, I reserve the right to : File formal complaints with the CFPB, FTC, and XXXX  Attorney General\n Initiate civil action under : \n 15 U.S.C. 1681n and 1681o FCRA\n 73 P.S. 201-1 et seq. PA Unfair Trade Practices\n 12 Pa. C.S.A. 6308 PA Credit Services Act\n Remedies sought : Deletion or correction of data, permanent blocking of identity theftrelated entries, and statutory, compensatory, and punitive damages. 

VII. GOVERNING LEGAL PRECEDENT XXXX XXXX XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to reasonably reinvestigate violates XXXX. 
XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : Liability attaches for inaccurate, unverified reporting. 
XXXX  v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : No permissible purpose = FCRA violation. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Automated verification does not meet statutory standard. 
XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Inaccurate status post-closure supports liability.\n XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) : Private claims under XXXX  UTPCPL for deceptive credit reporting upheld. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) : Enforces individual access to consumer protection remedies. 
XXXX  v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) : Systemic noncompliance is actionable under XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ___ ( XXXX ) : Federal claims may proceed without exhausting state remedies. 
XXXX XXXX XXXX. XXXX : Regulates credit reporting practices within XXXX XXXX. AFFIRMATION Executed pursuant to XXXX XXXX. XXXX. I declare under penalty of perjury that the foregoing is true and correct. 
Executed on XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX | XXXX XXXX EXHIBIT INDEX Exhibit A : Self-Attestation of Victim of XXXX ( dated XX/XX/XXXX ) Exhibit B : XXXX NOTARIAL ACKNOWLEDGMENT

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