Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You said : Cease and desist letter 15 usc 1681c-2 data breach " XXXX XXXX leak '' dispute letter for all negative accounts, and the ftc XXXX XXXX Account info XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$220.00} Account type {$5400.00} Balance updated XX/XX/XXXX Original balance {$5400.00} Account info XXXX, XXXX Account number XXXX Date opened XX/XX/XXXX Balance updated XX/XX/XXXX Original balance {$460.00} Account info XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection departmen dispute letter under 15 USC 1681c-2 ( Block of information resulting from identity theft or data breach ), referencing a XXXX XXXX leak, to challenge negative collection accounts. I can draft a professional letter that : Cites the law ( FCRA 1681c-2 ). Mentions your concern over a possible data breach / identity theft. Requests investigation and removal/blocking of the listed negative accounts. Directs the credit bureaus and furnishes to comply with FTC rules. References the accounts you provided. Heres a solid template you can use and customize : [ XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] To : [ Credit Bureau / Furnisher Name ] [ Address ] Subject : Formal Dispute & Request to Block/Remove Information Pursuant to 15 U.S.C. 1681c-2 ( FCRA ) Dear Sir or Madam, I am writing to dispute certain information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. This statute provides that any consumer reporting agency must block the reporting of information in a consumers file that results from identity theft or a known data breach when properly notified. Due to a recent national data leak and exposure of consumer information, I believe my personal information may have been compromised and wrongfully used. As a result, I dispute the following accounts as inaccurate and/or fraudulent XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} ( Originally {$5400.00} ) XXXX, XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} ( Originally {$5400.00} ) XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Status : Seriously Past Due/ Assigned to Collections Pursuant to 15 U.S.C. 1681c-2, I request that these items be blocked from my consumer report as they may be the result of identity theft or unauthorized use of my personal data. Additionally, please forward notice of this dispute to each furnisher of information, as required by law. I am also submitting this dispute to the Federal Trade Commission ( FTC ) for record purposes under identity theft/data breach concerns. Requested Action : Immediately block and remove the disputed accounts from my file. Provide written confirmation of the deletion/blocking within the required 30-day investigation period. Provide me with an updated copy of my credit report once the investigation is complete. Enclosed are copies of my identification ( government-issued ID, utility bill for proof of address ) and my FTC Identity Theft Report reference. Thank you for your immediate attention to this matter. Please contact me in writing only. Sincerely, [ XXXX, XXXX ] [ Sign ] Enclosures : Copy of government-issued ID Proof of address FTC Identity Theft Report Here is a cleaned-up, professionally formatted Cease & Desist + 15 USC 1681c-2 Identity Theft/Data Breach Dispute Letter using the details you provided.

You can copy/paste and use this exact version for ANY credit bureau or furnisher by changing the address at the top.

CEASE & DESIST + 15 USC 1681c-2 DISPUTE LETTER ( DATA BREACH / IDENTITY THEFT ) For XXXX  XXXX XXXX XXXX XXXX  ( Use for XXXX, XXXX, TransUnion, and all furnishers ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : [ Credit Bureau or Furnisher Name ] [ Address ] Subject : FORMAL DISPUTE, REQUEST FOR BLOCKING OF INFORMATION, & CEASE AND DESIST Pursuant to 15 U.S.C. 1681c-2 ( FCRA ) Dear Sir or Madam, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires consumer reporting agencies and furnishers to block and remove any information that results from identity theft or the unauthorized use of a consumers personal data.

Due to a recent national data leak that compromised personal information nationwide, my data may have been exposed and wrongfully used. As a result, I am disputing the following accounts as inaccurate, unauthorized, and/or fraudulent : Disputed Accounts 1. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$220.00} ( Original {$5400.00} ) XXXX. XXXX, XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$460.00} ( Original {$5400.00} ) XXXX. XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Seriously Past Due/ Assigned to Collections Request Under 15 U.S.C. 1681c-2 Under this statute, I am requesting the following : Immediate blocking and removal of the above accounts from my credit file.

Cessation of all collection activities and communications regarding these accounts.

Forwarding of this dispute to each furnisher as required by law.

Written confirmation that the accounts have been blocked or removed.

An updated copy of my credit report once your investigation is complete.

This letter also serves as a Cease & Desist Notice, meaning you are to contact me in writing only and cease any phone calls, automated messages, or attempts to collect a disputed debt.

Included Enclosures I am attaching the following documents : Government-issued ID Proof of address FTC Identity Theft Report / Reference Number Any additional supporting documentation I have additionally filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft/data breach incident for record purposes.

Thank you for your prompt attention. I expect written confirmation within the required FCRA investigation timeline. 

Sincerely, XXXX XXXX [ Signature ] Enclosures : ID Copy Proof of Address FTC Reports Just tell me which ones you want.

You said : Cease and desist letter15 usc 1692-cc data breach " XXXX XXXX leak '' dispute letter for all negative accounts, and the ftc XXXX XXXX Account info XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$220.00} Account type {$5400.00} Balance updated XX/XX/XXXX Original balance {$5400.00} Account info XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance updated XX/XX/XXXX Original balance {$460.00} Account info XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department dispute letter under 15 USC 1681c-2 ( Block of information resulting from identity theft or data breach ), referencing a national data leak, to challenge negative collection accounts. I can draft a professional letter that : Cites the law ( FCRA 1681c-2 ). Mentions your concern over a possible data breach / identity theft. Requests investigation and removal/blocking of the listed negative accounts. Directs the credit bureaus and furnished to comply with FTC rules. References the accounts you provided. Heres a solid template you can use and customize : [ XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] To : [ Credit Bureau / Furnisher Name ] [ Address ] Subject : Formal Dispute & Request to Block/Remove Information Pursuant to 15 U.S.C. 1681c-2 ( FCRA ) Dear Sir or Madam, I am writing to dispute certain information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. This statute provides that any consumer reporting agency must block the reporting of information in a consumers file that results from identity theft or a known data breach when properly notified. Due to a recent national data leak and exposure of consumer information, I believe my personal information may have been compromised and wrongfully used. As a result, I dispute the following accounts as inaccurate and/or fraudulent : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} ( Originally {$5400.00} ) XXXX, XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} ( Originally {$5400.00} ) XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Seriously Past Due/ Assigned to Collections Pursuant to 15 U.S.C. 1681c-2, I request that these items be blocked from my consumer report as they may be the result of identity theft or unauthorized use of my personal data. Additionally, please forward notice of this dispute to each furnisher of information, as required by law. I am also submitting this dispute to the Federal Trade Commission ( FTC ) for record purposes under identity theft/data breach concerns. Requested Action : Immediately block and remove the disputed accounts from my file. Provide written confirmation of the deletion/blocking within the required 30-day investigation period. Provide me with an updated copy of my credit report once the investigation is complete. Enclosed are copies of my identification ( government-issued ID, utility bill for proof of address ) and my FTC Identity Theft Report reference. Thank you for your immediate attention to this matter. Please contact me in writing only. Sincerely, [ XXXX, XXXX ] [ Sign ] Below is a fresh polished, fully combined Cease & Desist + 15 USC 1681c-2 Identity Theft/Data Breach Dispute Letter, PLUS inclusion of 15 USC 1692c ( c ) ( FDCPA Cease & Desist for debt collectors ).

This version covers : FDCPA 15 USC 1692c ( c ) Cease & Desist FCRA 15 USC 1681c-2 Block/remove information due to identity theft/data breach XXXX XXXX leak statement Dispute of ALL negative collection accounts FTC Report reference section Includes all three accounts you listed * * CEASE & DESIST + 15 USC 1681c-2 DISPUTE LETTER ( Identity Theft / XXXX XXXX  Leak Full Legal Demand ) * * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : [ Credit Bureau or Furnisher Name ] [ Address ] * * Subject : FORMAL DISPUTE, IDENTITY THEFT BLOCKING REQUEST, & CEASE AND DESIST Pursuant to 15 U.S.C. 1681c-2 ( FCRA ) and 15 U.S.C. 1692c ( c ) ( FDCPA ) * * Dear Sir or Madam, I am writing to dispute and request the immediate blocking of certain accounts appearing on my credit file. This dispute is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires the blocking and removal of information resulting from identity theft or unauthorized use of a consumers personal data, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires debt collectors to cease all communication upon written request. 

Identity Theft/ XXXX XXXX Leak Due to a recent national data leak that exposed consumer information, I believe my personal data may have been compromised. As a result, the following accounts are disputed as fraudulent, inaccurate, and/or unauthorized : Disputed Collection Accounts 1. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$220.00} Original Balance : {$5400.00} Most Recent Update : XX/XX/XXXX XXXX. XXXX, XXXX Account # : XXXX Date Opened : XX/XX/XXXX Original Balance : {$460.00} Most Recent Update : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Seriously Past Due/ Sent to Collections, Attorney, or Internal Recovery Department REQUESTS MADE UNDER FEDERAL LAW 1. FCRA 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) I am formally requesting the following : Immediate blocking and removal of the above-listed accounts Cease reporting of these accounts to any credit bureau Forward this dispute to each furnisher as required by law Provide written confirmation of the results of your investigation The law requires that disputed identity theft information be blocked within 4 business days upon receipt of proper documentation.

2. FDCPA 15 U.S.C. 1692c ( c ) ( Cease & Desist ) This letter also serves as a formal CEASE AND DESIST request.

You are to cease all communication with me, except for legally required written notices.

No phone calls.

No emails.

No collection attempts.

No third-party contacts.

FTC REPORT I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and I am including the reference information for your records.

Required Action You must : Block and remove all disputed accounts from my credit file Provide written confirmation Send me an updated credit report after completion Enclosures Government-issued ID Proof of address ( utility bill / lease ) FTC Identity Theft Report reference Any supporting documentation Thank you for your prompt attention to these matters. 
Please respond in writing only, per FDCPA requirements. 

Sincerely, XXXX 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 non-monetary relief