Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
SUBJECT : WILLFUL SABOTAGE OF FCRA RIGHTS, CONSUMER LOCKOUT, AND DEMAND FOR MAXIMUM PUNITIVE DAMAGES This is a formal complaint for egregious, deliberate, and malicious violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. Your actions go beyond negligence into the realm of active, willful sabotage of my federal rights. 

1. TRANSUNION 'S DELIBERATE CONSUMER LOCKOUT & SABOTAGE Your most blatant violation is your illegal and strategic lockout of my online account and dispute portal. When I attempt to access my file to exercise my legal rights, I am deliberately blocked. This is not an " error. '' It is a calculated tactic to obstruct justice and prevent me from disputing the criminal fabrications you continue to publish. 

This malicious lockout constitutes a willful violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You have illegally blocked my primary channel to dispute inaccurate information. By disabling my online access, you have created an unreasonable and insurmountable barrier to the dispute process guaranteed by federal law.

15 U.S.C. 1681b ( f ) : Your actions demonstrate profound bad faith. You have the audacity to treat me, the victim, as a security threatlocking me out of my own filewhile you simultaneously and freely FURNISH THE CRIMINAL 'S FRAUDULENT DATA TO THIRD PARTIES. Your subsidiary, SmartMove, continues to distribute the fraudulent eviction report ( ID : XXXX ), defaming me to potential landlords. This is unconscionable. 

2. OVERWHELMING EVIDENCE OF FRAUD IGNORED You possess irrefutable proof of criminal identity theft, which you have chosen to ignore : Official Police Report # XXXX FTC Identity Theft Report # XXXX A comprehensive, notarized affidavit sworn under penalty of perjury. 

Definitive proof the impostor used SSN ending XXXXa number that is not mine. 

3. CATALOG OF FRAUDULENT DATA YOU WILLFULLY PUBLISH Despite this evidence, you continue to publish and profit from a complete fraudulent identity, including : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX. 

Fraudulent Public Records : Eviction judgments from XXXX XXXX  XXXX. 

Unauthorized Inquiries : Over 25 hard inquiries from various lenders. 

Your failure to purge this known-fraudulent data from ALL your systems, including XXXX, is a willful violation of 15 U.S.C. 1681c-2.

4. LEGAL BASIS FOR WILLFUL NON-COMPLIANCE & PUNITIVE DAMAGES Your conduct is the textbook definition of willful non-compliance, as you have knowingly and recklessly violated the FCRA. The lockout tactic alone justifies maximum punitive damages to punish this outrageous behavior and deter its repetition.

DEMAND FOR RESOLUTION My demands are non-negotiable. TransUnion 's actions warrant the most severe financial penalties allowable by law.

I. IMMEDIATE INJUNCTIVE RELIEF ( Within 10 Business Days ) : FULLY REINSTATE my online access to my TransUnion file and dispute portal immediately.

PERMANENTLY EXPUNGE every trace of the fraudulent data from your entire ecosystemincluding core credit files, SmartMove, and all archival systems.

ISSUE FORMAL CORRECTIONS to every third party that has received a report on me in the last two years, stating the prior information was fraudulent.

II. MONETARY COMPENSATION : For the deliberate lockout, ongoing defamation, emotional XXXX, and XXXX years of willful non-compliance, I demand a total settlement of {$150000.00} to be paid directly to me. 

This figure is based on : Statutory Damages : {$1000.00} PER WILLFUL VIOLATION ( 15 U.S.C. 1681n ). The lockout, each day each fraudulent item remains, and each furnishing of a fraudulent report constitutes a separate violation.

Punitive Damages : Your malicious lockout and continued dissemination of fraudulent data warrant severe punitive damages to make an example of your corporation.

Actual Damages : For the severe emotional distress and the complete blockade on my ability to secure housing and credit.

FAILURE TO COMPLY will result in the immediate filing of a federal lawsuit. I will not settle for anything less than the maximum damages a jury can award. I will also petition the court for a permanent injunction barring you from these predatory practices.

Your behavior is an affront to the law. Correct it or be prepared for the maximum financial and legal consequences.

Section : Deliberate Stalling and Bad-Faith Dispute Practices TransUnion has engaged in a systematic and deliberate pattern of stalling and manufacturing bad-faith arguments to avoid its legal obligations under the FCRA. The most telling example of this predatory strategy is their previous, baseless claim that I was not the author of my own dispute letters.

This accusation was a blatant, fabricated stall tactic designed to create an illegal barrier. That excuse is now completely and utterly demolished by the evidence. I have attached a comprehensive, sworn Identity Theft Affidavit that has been formally notarized. A notarized document is a powerful legal instrument ; a state-appointed notary public has verified my identity beyond doubt and witnessed me sign the document, affirming under penalty of perjury that I am the author of its contents.

For TransUnion to have previously claimed I did not write my disputes, and to now ignore a notarized affidavit that conclusively proves my authorship and the validity of my claims, is proof of a willful, corporate-level policy of obstruction. This is not an administrative error ; it is a deliberate, bad-faith strategy to : Create Illegal Barriers to Disputes : By falsely claiming disputes are not authored by the consumer, TransUnion illegally sidesteps its mandatory reinvestigation duties under 15 U.S.C. 1681i.

Cause Harmful and Unnecessary Delay : This tactic forces the victim to waste time, money, and resources to " re-prove '' a fundamental fact, all while the fraudulent data continues to cause reputational and financial harm.

Demonstrate Reckless Disregard for the Law : To dismiss a notarized, sworn statement is to show a conscious and reckless disregard for legal standards and procedures. This behavior is direct evidence of willful non-compliance under the FCRA, as it shows a knowing and intentional violation of the requirement to conduct a reasonable reinvestigation.

Their past refusal based on false authorship claims, combined with their current illegal lockout of my online account, paints an undeniable picture of a company that systemically and maliciously invents reasons to deny valid claims, violating the core principles and black-letter text of the FCRA.

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