Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, XXXX, and XXXXhave  failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

The FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXXan irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. 

Moreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. 

It is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. 

Your failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. 

I expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and ITADA, and I will have no choice but to seek damages to the fullest extent permitted by law. 

This matter is of the utmost urgency, and I expect your full cooperation. 

Sincerely, XXXX XXXX XXXX XX/XX/year> 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 explanation