Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX To : TransUnion LLC ALL EXECUTIVES LISTED BELOW XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau ( CFPB ) RE : FINAL WARNING NOTICE OF IMMEDIATE LEGAL ACTION FOR WILLFUL VIOLATIONS OF FEDERAL LAW, FRAUDULENT REPORTING, AND GROSS NEGLIGENCE To All Named Executives and Legal Parties at TransUnion LLC : This letter constitutes your final notice. Your continued refusal to act on my prior formal disputes is not only unethical, but a flagrant violation of federal consumer protection laws. Let me be perfectly clear : your institution has crossed the threshold of negligence and entered the realm of willful misconduct, systemic noncompliance, and gross consumer abuse. 


XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This is a fraudulent account. This account is currently in litigation and it keeps being fraudulenty reported XXXX XXXX Account Number : XXXX This account is not mine and is currently in litigation. Please remove fraudulent Account immediately 10. Fraudulent Account not mine XXXX Account Number : XXXX This account is not mine and is currently in litigation. Please remove fraudulent Account immediately XXXX. This is a fraudulent account. This account is currently in litigation and it keeps being fraudulenty reported XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

TransUnion has repeatedly demonstrated a blatant disregard for federal law, my consumer rights, and my financial livelihood. I have submitted more than adequate documentation, and yet your continued stonewalling tactics, procedural delays, and refusal to remove fraudulent and inaccurate data now put you at legal and financial risk. 

I have opted out of arbitration. There will be no hiding behind corporate loopholes or boilerplate clauses. My legal team is prepared to proceed in a civil court of law, and every executive copied above will be named in the suit individually and collectively. I have compiled a full record of your violations, failures to respond, reinsertion of items without notice, continued reporting of fraudulent data, and repeated FCRA violations. You are legally accountable under the following statutes : IMMEDIATE VIOLATIONS YOU ARE LEGALLY ACCOUNTABLE FOR : 1. 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigations 2. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent accounts after receipt of identity theft documentation 3. 15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of consumer reports 4. 15 U.S.C. 1681b Unauthorized and unlawful inquiries remain on file despite objections 5. Section 5 of the FTC Act Deceptive and unfair trade practices 6. FACTA Failure to protect consumer data during breaches and negligence in handling sensitive information Your deliberate inaction has directly interfered with my ability to obtain credit, secure housing, and build financial security, constituting real, measurable, and punitive damages. The stress and hardship caused by your dereliction of duty has pushed me to the edgeand now Im pushing back. Legally, publicly, and with force.

YOU ARE HEREBY ORDERED TO COMPLY WITH THE FOLLOWING DEMANDS WITHIN FOUR ( 4 ) BUSINESS DAYS : 1. Immediate deletion and permanent blocking of all fraudulent, inaccurate, or unverifiable accounts.

2. Removal of all unauthorized credit inquiries listed in my attached documentation.

3. Written confirmation via certified mail ( NOT electronically generated ) acknowledging all corrections.

4. Cessation of all further reporting of the disputed accounts.

5. Public admission of responsibility to relevant regulatory bodies will be requested if no action is taken.

Failure to comply by 04/08/2025 will result in immediate litigation and escalation to the following enforcement bodies : CFPB ( Consumer Financial Protection Bureau ) FTC ( Federal Trade Commission ) State Attorney Generals Office U.S. District Court for Consumer Protection Violations You will also be held accountable for punitive damages, actual financial loss, emotional distress, and statutory penalties as outlined in XXXX XXXX TransUnion LLC ( XXXX ), which the U.S. Supreme Court ruled against you for similar misconduct. 

I will not tolerate another automated response, another delay, or another fabricated excuse. You have exhausted your grace period. If you believe I am bluffing, test me. But know that this is your final opportunity to avoid significant financial and legal consequences. 

Comply. Immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/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 explanation