Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
RE : Formal Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) and Identity Theft Protections To Whom It May Concern : I am writing to formally notify you of my intent to initiate legal proceedings against your organization for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) and federal identity theft laws, specifically related to your continued reporting of a fraudulent account from XXXX XXXX XXXX XXXX on my credit report. 

I am a confirmed victim of identity theft. 
On XX/XX/XXXX, I visited XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, to purchase a XXXX XXXX XXXX. The cost of the vehicle was {$32000.00} plus tax after rebate. 

However, without my knowledge, consent, or authorization, XXXX XXXX XXXX, the Finance XXXX at XXXX XXXX, fraudulently used my personal information to secure a loan in the amount of {$52000.00} from XXXX XXXX. This was done to facilitate the inclusion of unauthorized junk fees and add-ons which I neither requested nor approved. These actions constitute identity theft and financial fraud under 18 U.S. Code 1028. 

On XX/XX/XXXX & XXXX, XXXX, I confronted XXXX XXXX about these discrepancies. He admitted to inserting several unauthorized add-ons, some of which were later canceled. We signed a written cancellation agreement for those items, including XXXX called XXXX, but the dealership delayed executing these cancellations for XXXX months, only sending a check for {$6500.00} to XXXX XXXX on XX/XX/XXXX. They still have not refunded the XXXX item, despite a signed cancellation agreement. 

Furthermore, XXXX XXXX XXXX, the dealership XXXX, acknowledged that fraud did occur, and this is documented in an email ( attached as file " XXXX '' ). 

Despite this, XXXX XXXX has offered an inadequate settlement of {$7500.00}, which they conditioned on me signing a general release of liability. This is both unethical and unlawful. Under basic contract and consumer protection law, a company can not require a victim of fraud to sign away their legal rights to receive funds they are already owed due to overcharging or fraud. This tactic constitutes coercion and bad faith dealing in violation of consumer protection laws, including the Florida Deceptive and Unfair Trade Practices Act ( XXXX ). 

Failure to Comply with the FCRA I disputed this fraudulent account multiple times, and each time your response falsely claimed that the account was being reported accurately. I then exercised my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to request a Method of Verification ( MOV ), including : The name and department of the individual who verified the account, The time and date of such communication, Supporting documents proving account ownership and payment history. 

This request was filed through the Consumer Financial Protection Bureau ( CFPB ), and I have documentary proof of this submission. You are required to respond to such a request within 5 business days. You have not complied, thereby violating the law.

Relevant FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification.

15 U.S.C. 1681c-2 ( a ) Failure to block fraudulent information after notice of identity theft.

Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), when a consumer provides a valid identity theft report and documentation of fraud, the credit reporting agency must block the information within 4 business days. You were provided with an FTC Fraud Report, proof of dealership fraud, and written acknowledgment from management confirming the incident. You have failed to block the account, violating this federal requirement.

Penalties for Noncompliance : 15 U.S.C. 1681n : Willful noncompliance allows for statutory and punitive damages, attorney 's fees, and costs.

15 U.S.C. 1681o : Negligent noncompliance entitles me to actual damages and legal fees.

Florida Consumer Protection Statutes may also apply, opening additional civil liability.

Demand for Immediate Action : I demand the following within 10 calendar days of receipt of this letter : Immediate deletion of the XXXX XXXX XXXX XXXX account from all credit bureaus. 

Removal of all negative marks and derogatory data associated with the account. 

Written confirmation that you have permanently blocked the account under FCRA 605B.

Failure to comply will leave me no choice but to file a lawsuit seeking full damages under federal and state law for : Identity theft, False credit reporting, Emotional distress, Denial of credit and higher financing costs.

All supporting documentationincluding my FTC Fraud Report, cancellation agreement, email from XXXX XXXX, and settlement offerwill be attached to the complaint. 

This is your final opportunity to resolve this matter amicably and avoid costly legal proceedings. 

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 explanation