Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
Notice of Intent to Sue and Demand to Cure - TRANSUNION From : XXXX XXXX XXXX in care of : [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] Date : XX/XX/XXXX To : TRANSUNION LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission ( FTC ) To Whom It May Concern, This is a final Notice of Intent to Sue and Demand to Cure issued by XXXX XXXX XXXX in care of [ XXXX XXXX XXXX XXXX XXXX referencing repeated, unlawful misconduct and noncompliance by TransUnion with its duties under the Fair Credit Reporting Act ( FCRA ), Federal Arbitration Act, Equal Credit Opportunity Act, and other constitutional provisions.

Despite numerous verified complaints and legal disputes submitted through the CFPB and your own internal system, TransUnion has persistently refused to remove fraudulent and unverifiable tradelines, including but not limited to : XXXX. The XXXX collection account-long disclaimed by XXXX as XXXX longer owned, having been sold to multiple third-party collectors after verified reports of fraud were filed.

2. The account listed by XXXX XXXX XXXX-knowingly reported despite the managing member refusing my due process right to resolution and cure, sending the account to an attorney to initiate unlawful legal action while reporting it as a collection in retaliation.

3. Additional invalid or unverifiable entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other entities that have contributed to unlawful degradation of my credit profile. 
4. Known internal flags or suppression protocols that are restricting my ability to obtain new credit lines, loans, or financial products despite solid payment history.

These actions constitute : - Violations of 15 U.S.C. 1681e ( b ) for failing to ensure maximum accuracy ; - Violations of 15 U.S.C. 1681i ( a ) for refusing to reinvestigate or correct ; - Violations of 15 U.S.C. 1681s-2 ( b ) for failing to delete inaccurate data upon notice ; - Unfair consumer practices under 15 U.S.C. 45 ; - Willful refusal to respond to lawful disputes submitted via CFPB and directly.

This misconduct has caused severe harm to my professional advancement, financial livelihood, family stability, and ability to access the credit I am otherwise qualified for.

DEMAND FOR CURE : 1. Immediate deletion of the XXXXXXXX XXXX XXXX and all other fraudulent or unverifiable tradelines. 
2. Complete audit and removal of all internal flags, credit suppression blocks, or redlines interfering with credit access.

3. Written confirmation of reinvestigation, remediation, and legal compliance.

4. Participation in binding arbitration within ten ( 10 ) business days.

5. Compensation in the amount of {>= $1,000,000} for ongoing harm, financial injury, and bad faith.

Failure to comply will result in legal escalation, binding arbitration, and federal litigation.

Notice to agent is notice to principal. All Rights Reserved - UCC 1-308.

Respectfully submitted, XXXX XXXX XXXX in XXXX of : [ XXXX XXXX XXXX ] Authorized Representative All Rights Reserved - UCC 1-308 Seal of XXXX XXXX XXXX Below is the sacred and official sigiXXXX representing the living authority and sovereign jurisdiction of XXXX XXXX XXXX. 

This document is sealed and executed under divine covenant, fiduciary sovereignty, and lawful jurisdiction. 
All rights reserved

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