Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT XXXX  RECORD DISPUTE CASE # : XXXX FCRA 1681e ( b ) & 1681i VIOLATIONS WILLFUL NONCOMPLIANCE Dear CFPB Please help me correct this erroneous public record information as it is affecting my consumer report TransUnion Is not doing absolutely nothing in respects to my concerns, Trans Union is not even investigating absolutely carless. " THIS IS NOT MY XXXX  I DID NOT FILE ANY KIND OF XXXX  '' To the So-Called Compliance Team at TransUnion : This is not a requestit is a final demand for the immediate removal of the fraudulent XXXX  record you continue to illegally report on my credit file. Your reckless disregard for federal law and refusal to correct this blatantly false entry constitutes willful negligence under the Fair Credit Reporting Act ( FCRA ), and I will not tolerate it any longer. 

Your Violations Are Indisputable : XXXX. FALSE FILING LOCATION * * The XXXX  youre reporting was allegedly filed in XXXX XXXX ( XXXX ). Under federal law ( XXXX XXXX. XXXX ), bankruptcies must be filed in the XXXX XXXX of residence for XXXX days prior. I have never lived in XXXX XXXX XXXX has been XXXX XXXX ( XXXXXXXX XXXX XXXX  since XX/XX/XXXX. This is irrefutable proof your record is garbage Respectfully. 

XXXX. XXXX INCORRECT ADDRESS The address tied to this record is completely fictitious erroneous. I have never lived at such, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and your failure to confirm this basic fact proves gross negligence under FCRA 1681e ( b ). 

XXXX. SHAM " VERIFICATION - XXXX  and the XXXX XXXX  XXXX for the XXXX XXXX XXXX XXXX  have confirmed in writing not once but twice nothing has changed ( attached ) that THEY DO NOTand NEVER willverify or share XXXX  data with credit bureaus. 

So how the XXXX did TransUnion " verify '' this? 
- Redacted records can not be matched to consumers without full identifiers. Your so-called " verification '' is a fraudulent farce, and I dare TransUnion to prove otherwise. 

XXXX. OTHER BUREAUS CORRECTED THIS Equifax and Experian deleted this same false entry after recognizing its inaccuracy. Your refusal to do the same is * * willful noncompliance, and I will make you pay for it. 

XXXX Demands No More Games : XXXX. DELETE THE FRAUDULENT XXXX  RECORD IMMEDIATELY. 

XXXX. Provide WRITTEN PROOF of : - The exact method of verification used to link this record to me ( including the name, title, and contact info of any person who validated it ). 

* * All communications * * between TransUnion and any third party regarding this record. 

XXXX. STOP STALLING. Your XXXX investigation window ( FCRA 1681i ( a ) ) is long expired. 

Legal Notice Your Final Warning : FAILURE TO COMPLY WITHIN 15 DAYS will result in : - Formal complaints filed with the CFPB, Illinois Attorney General, and FTC.

- A federal lawsuit under FCRA 1681n for willful noncompliance, seeking : - Statutory damages ( {$1000.00} per violation ) PAY UP!!! 
- Punitive damages- Attorney fees - Court-ordered sanctions against TransUnion - Subpoenas for your " verification '' procedures to expose your fraudulent reporting practices in open court. 

This is your LAST CHANCE to act. The burden is 100 % on TransUnion to prove accuracya duty youve spectacularly failed. 

Fix it now or face the consequences. * * Enclosures : - Credit report highlighting error - Proof of residency ( drivers license, utility bill ) - Letters from XXXX - XXXX deletion confirmations

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