Consumer complaint received 2025-08-15 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KS XXXX ( XXXX ) Email : XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX ( last XXXX digits ) Date : XX/XX/XXXXXXXX  Via Certified Mail & Email To : TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Accounts, Inquiries, and Address RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL & STATE LAW To Whom It May Concern : I, XXXX XXXX, hereby formally dispute and demand the immediate deletion of unauthorized, inaccurate, and fraudulent accounts, credit inquiries, and address information currently being reported on my TransUnion credit file. This is both a Demand to Cease and Desist and a Request for Immediate Deletion, pursuant to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 et seq.

I. Identity Theft Report & Notice of Dispute In compliance with 15 U.S.C. 1681g ( e ), I have filed a formal Identity Theft Report with the Federal Trade Commission and have initiated disputes with XXXX, XXXX, and TransUnion regarding the fraudulent entries listed below.

II. Fraudulent Accounts to Be Removed Creditor Account Number Date Opened High Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$350.00} XXXX. Fraudulent Address to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX I have never resided at this address. This information is unauthorized and must be immediately removed from my credit report. 



IV. Factual & Legal Basis for Removal 1. No Valid Contract or Legal Obligation : XXXX has confirmed that no signed agreement or valid contract exists between me and the accounts in question. 
2. Improper Data Handling & Third-Party Disclosure : My personal data was improperly accessed and shared with third parties ( e.g., XXXX XXXX XXXX XXXX XXXX  ), in violation of the Gramm-Leach-Bliley Act. 
3. Legal Requirement for Chain of Custody & Proper Furnishing : XXXX has failed to demonstrate a legitimate chain of custody, or proper tracking and authorization, for these accountsa critical element in validating the accuracy and legality of the information furnished. 
4. FDCPA Unauthorized Third-Party Communications : Under FDCPA 1692c ( b ), debt collectors are prohibited from communicating consumer information to third parties in connection with debt collection unless specific exceptions apply. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the Eleventh Circuit held that transmitting debtor personal information to a vendor to produce a collection letter constituted a communication in connection with the collection of any debt and thus violated 1692c ( b ). 
5. State and Federal Law on Fraudulent Accounts : Federal and state laws prohibit continued furnishing of fraudulent accounts after the consumer has notified the creditor and reported the fraud. Continued reporting under these conditions constitutes a willful violation of the FCRA and may result in statutory liability.

V. Relevant Case Law Holding TransUnion Liable 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( XXXX ) : Supreme Court held TransUnion liable for FCRA violations resulting from failure to ensure data accuracy. 
XXXX. Hammer v. TransUnion LLC, No. XXXX ( XXXX XXXX XXXX ) XXXX Liability imposed for failing to correct known fraudulent accounts. 
XXXX. Smith v. TransUnion LLC, XXXX. XXXX ( XXXX XXXX XXXX ) : Continued reporting of fraudulent data deemed a willful violation of the FCRA. 



VI. Formal Demands I hereby demand that TransUnion : 1. Immediately cease and desist from reporting, collecting, or communicating any information related to the specified fraudulent accounts, address, or inquiries.

2. Permanently delete the fraudulent address and accounts from my TransUnion credit file.

3. Stop sharing my personal data with any third parties without my explicit, written consent.

4. Provide written confirmation of the deletion of all disputed records.

5. Respond and confirm compliance within five ( 5 ) calendar days of your receipt of this notice. 



VII. Attached Documentation FTC Identity Theft Report Supporting documentation of disputed accounts and communications.

VIII. Potential Consequences if Not Resolved If not resolved immediately, I reserve the right to : File complaints with the CFPB, FTC, Kansas Attorney General, and other state/federal regulatory bodies.

Seek damages and full legal remedy under the FCRA and applicable federal and state laws. 



This is a legal matter requiring urgent attention. Thank you for your prompt compliance. 

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