Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX AND TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Identity Theft Dispute and Demand for Immediate Removal of Fraudulent XXXX XXXX Account To Whom It May Concern, I am formally disputing the fraudulent XXXX XXXX account currently listed on my credit report and demanding its immediate removal pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), the Florida Identity XXXX Act ( XXXX XXXX XXXX XXXX ), and other applicable consumer protection statutes. 

1. Identity Theft and Unauthorized Loan Origination This is not a mere billing errorthis is a case of criminal identity theft and loan fraud under both Florida and federal law. The key facts are as follows : On XX/XX/XXXX, I entered into a legitimate agreement to purchase a XXXX XXXX XXXX XXXX XXXX for {$36000.00}, with a {$2000.00} down payment and {$2000.00} rebate, leaving a balance of {$32000.00}. 

XXXX XXXX, XXXX XXXX at XXXX of XXXX, fraudulently increased the loan amount to approximately {$52000.00} by adding unauthorized charges ( e.g., Luxcare ) without my knowledge or consent. 

My personal and credit information was misused to originate a loan far exceeding the amount to which I agreedconstituting identity theft and fraudulent misrepresentation. 

2. Identity Theft Report Filed In accordance with FCRA XXXX : I have filed an Identity Theft Report with the XXXX XXXX XXXX Department ( kindly see file attached ). 

I am fully prepared to press criminal charges against the individuals responsible. 

Under federal law, credit reporting agencies are legally required to block this account once an identity theft report is submitted. 

3. XXXX Capitals Continued Reporting Is Unlawful Despite being notified, XXXX XXXX has refused to correct or remove this fraudulent account, likely due to its relationship with the dealership. 

This conduct violates : FCRA 623 ( a ) ( 6 ) : Furnishing information known to result from identity theft.

FCRA 605B : Obligation to block fraudulent information upon receipt of an identity theft report.

Fla. Stat. 817.568 ( 6 ) : Prohibiting creditors from collecting or reporting fraudulent debts once notified.

4. XXXX XXXX Attempted Coercion Is Illegal Despite acknowledging that fraud and identity theft occurred, XXXX XXXX, General XXXX of XXXX of XXXX, is refusing to refund the funds obtained through fraud unless I sign a legal release. He has offered {$7500.00} to settle this matter, but this offer : Is grossly inadequate compared to the financial harm already caused by the fraudulent loan. 

Is conditioned on me waiving all claims and releasing the dealership and associated parties, despite their criminal conduct. 

This constitutes illegal coercion under contract law and consumer protection law. It is unlawful to condition the return of money obtained through fraud on the signing of a liability release. 

Under the Restatement ( Second ) of Contracts XXXX, a contract term ( like a release ) is unenforceable if it is contrary to public policy, especially when it excuses a party from liability for fraud or criminal conduct. 

Additionally, under Florida law ( XXXX XXXX. XXXX False pretenses and fraud ) and common law fraud doctrines, a person XXXX not retain money obtained by fraud or coercively condition its return on a waiver of legal rights. 

Accepting this settlement and signing the release would cause further financial harm, obstruct any future legal recourse, and violate the principle that victims of identity theft must be made whole without being coerced into silence or limited compensation. 

Furthermore, XXXX XXXX has been made aware of this issue but continues to report the fraudulent account, despite this attempted coercion and acknowledgement of the fraud by the dealership. 

5. Legal Demand for Immediate Action I hereby demand : Immediate and permanent deletion of the XXXX XXXX account from my credit reports. 

Written confirmation that this account has been blocked and will no longer be reported. 

Notification to XXXX XXXX that they must cease reporting and collection efforts on this account. 

6. Notice of Legal Remedies Failure to comply within XXXX calendar days will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Florida Attorney General, and Federal Trade Commission. 

Civil legal action under FCRA XXXX and XXXX for statutory damages ( up to {$1000.00} per violation ), actual damages, attorneys fees, and punitive damages. 

Enclosures ( Attached for Verification ) Copy of Identity Theft Report ( XXXX XXXX XXXX Department ) Copy of vechile documents given to me Email correspondence from XXXX XXXX admitting to unauthorized charges and deceptive conduct. 
I have also attached files from the CFPB directing you on how to handle cases which are a direct result of identity theft and thus abide by the statutes laid down in the Fair Credit Reporting Act. 

This matter is non-negotiable. You are required under federal and state law to immediately block and delete all references to this fraudulent account. I expect prompt compliance and written confirmation of resolution. 

Sincerely, XXXX XXXX [ Last XXXX digits of XXXX are XXXX Enclosures : Identity Theft Report Vehicle Purchase Agreement Emails Confirming Fraud

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