Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate, incomplete, and unverifiable information that TransUnion is currently reporting on my credit file. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires TransUnion to conduct a lawful and reasonable reinvestigation and provide me with the procedures used to verify the disputed information. If TransUnion can not verify the accuracy of the reported data, it must be deleted immediately, as required by law.

In addition, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I retain a fundamental right to the privacy of my financial information. 15 U.S.C. 1681 ( a ) ( 4 ) further stresses your obligation to maintain accurate and reliable consumer data.

Permissible Purpose Violation No valid permissible purpose exists under 15 U.S.C. 1681b ( 2 ) for TransUnion to continue reporting information that is inaccurate, unverifiable, and tied to identity theft activity. TransUnion does not have my authorization to retain, distribute, or publish information that is not mine, does not belong to me, or can not be verified with documentation. 

Identity Theft Report FTC Report # XXXX I have filed an official Identity Theft Report with the FTC ( Report Number XXXX ), which confirms unauthorized activity under my personal information. Under 15 U.S.C. 1681c-2, TransUnion is legally required to block and delete any information resulting from identity theft within four business days upon receipt of proper documentation. 

The disputed account listed below did not originate from me and contains contradictory and misleading reporting, making it impossible to verify under FCRA standards. 

DISPUTED ACCOUNT REQUEST FOR IMMEDIATE DELETION REPUBLIC/NC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Status Reported : Closed / Collection / Charge-Off Legal Violations Identified This account contains multiple contradictions that violate my consumer rights under federal law : Listed as Closed, yet simultaneously reported as Collection/Charge-Off Reported with a balance, despite being marked Closed No verification documents provided by TransUnion Violations of 15 U.S.C. 1681s-2 for reporting inaccurate, unverifiable, and misleading information Contradictory information can not be verified, and therefore must be deleted immediately under the FCRAs maximum accuracy requirements. 

DEMAND FOR ACTION Under FCRA 1681i, 1681s-2, and 1681c-2, I am demanding the following : Immediate deletion of this account from my TransUnion credit file A written investigation report within 30 days, including : Full reinvestigation results The exact method and documentation used to verify the account Confirmation of deletion if verification can not be produced If TransUnion fails to correct or delete this inaccurate information, I will exercise all legal rights available to me under federal law. 

This letter is a formal complaint and request for deletion, and I expect full compliance with the FCRA and all applicable statutes.

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