Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Transunion is refusing to accept my FTC Report claiming that it is a fraudulent document. This is the second time they refused to accept my FTC Report, the first time they said they could not accept it because the address was not listed on the FTC Report. I'm requesting them to remove the fraudulent account off my credit report. I was a victim of identity theft, I was impacted by the XXXX  data breach. XXXX XXXX XXXX XXXXXXXX is not my account. I have requested immediate removal but have been denied due to the claim that my FTC Report is not authentic. I would like immediate removal of this account. My rights have been violated due to refusal of my documents. My credit has been negatively impacted. 

I have also requested a method of verification, which was not provided. I explained in my dispute that if I did not receive the proof of method of verification that i would file a complaint with the the CFPB SUBJECT : FORMAL DEMAND FOR REMOVAL, SUPPRESSION OF UNLAWFUL ACCOUNT, AND NOTICE OF LEGAL ACTION TRANSUNION, this letter serves as formal legal notice that your agency XXXX  has unlawfully reinserted a previously removed account into my credit report, directly violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. $ 1681c-2, 1681i, and 1681s- VIOLATIONS OF FEDERAL LAW 1. Violation of 15 U.s.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account. 

You have failed to notify me of this reinsertion within five ( 5 ) business days. 

2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.

I never received such notice, making this reinsertion unlawful. 
3. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending.

If this account is still appearing on my report while under review, you are in violation of federal law. 
4. Violation of 15 U.S.C. 1681s-2 ( b ) : Furnisher 's Duty to Investigate The furnisher must conduct a meaningful, detailed reinvestigation and can not rely on automated systems like e-.

In Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX 

XXXX  ), the court ruled that a mere electronic verification is insufficient under the FCRA. 

IMMEDIATE DEMANDS 1. IMMEDIATE SUPPRESSION OF THIS ACCOUNT DURING REVIEW Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), this account must br uppressed during reinvestigation.

If this account remains on my credit report while under dispute, you are in direct violation of federal law and will face immediate regulatory complaints and legal action. 

2. PERMANENT SUPPRESSION UNLESS EXTREME DOCUMENTATION IS PROVIDED If you or the furnisher attempt to reinsert this account in the future, the following must be provided before reinsertion is allowed : A. Complete Investigation Log A full audit trail of every action taken to verify this account. 
Names and employee IDs of every individual involved in the review process. 
Timestamps of every action performed. 
B. Chain-of-Custody Documentation for the Account All records showing the legal transfer of this account from the original creditor to the current furnisher.

Copies of all billing statements proving the debt is valid and accurate. 

C. Internal Communications & Investigation Notes All emails, memos, or internal notes related to this reinvestigation.

The name and title of the person who signed off on the certification of accuracy. 
D. Full Call Logs, Audio Recordings, and Transcripts If any phone verification was conducted, I demand full call recordings and transcripts.

Failure to provide this evidence indicates an incomplete investigation. 

E. Legally Sworn Affidavit from a Corporate Officer A corporate officer ( not a customer service representative nust sign under penalty of perjury that all provided information is true accurate, and legally certified Failure to provide this affidavit renders the certification legally invalid.

NOTICE OF LEGAL CONSEQUENCES FOR NONCOMPLIANCE If my demands are not fully met within 15 days, I will take immediate legal action, including but not limited to : Filing formal complaints with the CFPB, FTC, and NEW JERSEY Attorney General. 
Initiating a lawsuit under 15 U.S.C. 1681n & 16810, seeking : Statutory damages of {$1000.00} per violation.

Punitive damages. 
Full reimbursement of legal fees and court costs. 
3. Demanding an official audit of your agency 's reinvestigation practices.

In addition, there appears to be a break in the chain of assignments, and no legitimate documentation has been provided to establish legal ownership or the right to report or collect on this account. Under federal law, no entity may report or attempt to collect a debt without a verified, continuous chain of title from the original creditor.

I am demanding the following actions immediately : Provide complete documentation verifying the source, origin, and certification of the reinserted account. 
Provide the full chain of assignments, clearly showing each lawful transfer of ownership or collection rights. 
Permanently delete this account from all credit reporting databases if proper documentation can not be produced and ensure that it is not reinserted again without full compliance. 
COLLECTION AGENCIES ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX FINAL WARNING : COMPLY OR FACE LEGAL ACTION This letter serves as formal legal notice that your agency is in direct violation of federal law. Failure to comply within the specified timeframe will result in immediate escalation and legal action to the fullest extent of the law. 

I expect : Written acknowledgment within five ( 5 ) business days.

Full resolution within fifteen ( 15 ) calendar days.

THIS IS YOUR FINAL OPPORTUNITY TO AVOID LEGAL ACTION. 

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