Consumer complaint received 2024-12-02 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: FL

Complaint narrative:
To : TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Subject : Complaint to the CFPB : Notice of Default and Demand for Compliance with Federal Law To Whom It May Concern, This formal complaint serves as a declaration of TransUnion LLCs continued failure to comply with federal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, and related federal laws. Despite multiple submissions, including my FTC Identity Theft Report, supporting documentation, and formal opt-out notices under 15 U.S.C. 6802, TransUnion has willfully ignored my legal rights and failed to block unauthorized and inaccurate information on my consumer report within the federally mandated XXXX ( XXXX ) business days. 
This is a blatant breach of your duties, and I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for immediate intervention. The persistence of these violations is causing severe and ongoing harm to my financial standing, emotional well-being, and trust in TransUnion as a lawful entity. 
Violations and Allegations of Fraudulent Practices XXXX. Failure to Block Unauthorized Information ( 15 U.S.C. 1681c-2 ) : TransUnion has failed to block unauthorized accounts and personal information as required by federal law. This inaction represents willful noncompliance with FCRA Section 605B, which mandates blocking of disputed information within four ( 4 ) business days upon receipt of valid notice. 
XXXX. Fraudulent Intent and Enrichment ( 18 U.S.C. 894 & RICO Act ) : By continuing to report unauthorized and inaccurate information, TransUnion profits from the defamation of my creditworthiness, creating opportunities for self-enrichment through the sale of inaccurate data. 
Under 18 U.S.C. 894 and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, such actions constitute fraudulent intent, as TransUnion knowingly participates in practices that harm consumers for financial gain. 
XXXX. Breach of Consumer Privacy Rights ( 15 U.S.C. 6801 & 6802 ) : Despite my formal opt-out notice, TransUnion has continued to report unauthorized nonpublic personal information, violating federal privacy laws. Failure to honor my opt-out request represents a clear disregard for 15 U.S.C. 6802 ( b ) ( c ). 
XXXX. Violation of Due Process and Consumer Protections : TransUnions deliberate inaction undermines my constitutional right to due process. Denying my lawful request to block disputed items without proper investigation or justification constitutes gross negligence and bad faith. 
Unauthorized Accounts and Inaccurate Information to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL Severe Penalties and Fees for Noncompliance Failure to comply with this notice will subject TransUnion to the following penalties : XXXX. FCRA Penalties ( 15 U.S.C. 1681n and 1681o ) : Statutory damages of {$1000.00} per violation. 
Actual damages, including emotional distress and financial harm. 
Punitive damages for willful noncompliance. 
Attorneys fees and court costs. 
XXXX. RICO Act and 18 U.S.C. 894 : Civil penalties of up to {$25000.00} per violation. 
Restitution of financial harm caused by fraudulent practices. 
Potential criminal prosecution for willful and extortionate actions. 
XXXX. Breach of Fiduciary Duty : Full restitution for financial losses caused by defamation and harm to my creditworthiness. 
Consequential damages for lost opportunities and emotional distress. 
XXXX. Arbitration Fees : I will pursue arbitration under the Federal Arbitration Act, seeking maximum compensation for damages. Arbitration costs, including administrative fees, arbitrator fees, and attorney fees, will be included in my claim. 
Fair Resolution and Demands TransUnions decision to remove the inquiries related to XXXXXXXX XXXX and XXXX XXXX while simultaneously retaining the associated accounts on my consumer report is both contradictory and legally indefensible. By removing the inquiries, TransUnion has effectively acknowledged that these entities lack permissible purpose to access or report information on my credit file. Retaining the accounts despite this removal constitutes a conflict of interest and an implied admission that the information is unauthorized. 
This action directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit consumer consent or permissible purpose for the furnishing of credit information. Furthermore, by failing to ensure the accuracy of the information reported, TransUnion is in breach of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies adopt reasonable procedures to assure the maximum possible accuracy of consumer reports. Case law such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), highlights that consumer reporting agencies are held liable for inaccurate or misleading reporting that results from their failure to conduct proper investigations. 
In addition, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ), emphasized that retaining unverifiable or unauthorized information constitutes a violation of the FCRA, as it misrepresents the consumers creditworthiness and imposes undue harm. XXXX contradictory actions in this instance further demonstrate willful negligence, exposing the agency to penalties under 15 U.S.C. 1681n for willful noncompliance, including statutory damages, actual damages, punitive damages, and attorneys fees. 
Moreover, TransUnions refusal to rectify this inconsistency aligns with patterns of deceptive practices and self-enrichment, potentially constituting a violation of the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962. By knowingly retaining accounts while removing the inquiries, TransUnion demonstrates an intent to benefit financially from continued reporting, despite lacking legal justification to do so. 
This inconsistency not only perpetuates a misrepresentation of my creditworthiness but also defames my financial reputation and exposes TransUnion to regulatory scrutiny and severe legal consequences. Their failure to act in compliance with federal law and their contradictory handling of these items further necessitate immediate corrective action and regulatory intervention. 






To resolve this matter, I demand the following : XXXX. Immediate Action : All unauthorized accounts, names, and addresses must be blocked and permanently removed from my consumer report within thirty ( 30 ) days. 
XXXX. Written Confirmation : A written acknowledgment that all disputed items have been blocked and removed as required by law. 
XXXX. Improved Compliance : Implement procedures to ensure adherence to FCRA Section 605B and FTC Identity Theft regulations. 
XXXX. Reparation of Damages : Compensation for financial and emotional harm caused by XXXX willful negligence and fraudulent practices. 
TransUnions repeated failure to comply with federal law demonstrates an alarming disregard for consumer rights. As a victim of unauthorized reporting, fraudulent practices, and deliberate noncompliance, I am entitled to immediate relief and accountability. I urge you to take swift corrective action to avoid further penalties and legal consequences.

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