Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Legal Demand for Immediate Deletion or Blocking of Disputed Collection Account XXXX XXXX XXXX XXXXXXXX FCRA Violations, Mishandling, and Agency Complaints Filed To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion or blocking of a collection account reported by XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX ) that appears on my credit reports. Despite multiple formal disputes and direct demands under the Fair Credit Reporting Act ( FCRA ), your agencies have failed to conduct a lawful reinvestigation or provide proper verification. The continued reporting of this item represents a willful disregard of my rights and obligations under federal law. 

Account in Dispute Debt Collector : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX : {$180.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Open Unpaid Remarks : Account previously in dispute Now resolved by data furnisher Responsibility : Individual Account Summary of Violations & Mishandling I submitted formal disputes to your agencies requesting that this collection be removed or blocked from my credit file due to inaccuracy, lack of verification, and potential fraud. During this process, I was hung up on three times by XXXX  representatives, including a supervisor named XXXX, who improperly stated that a block could not be placed on the account. This is both false and obstructive under federal law. 

Despite my request under FCRA 1681c-2 ( Section 605B ), none of your agencies provided sufficient documentation or took corrective action. The remark resolved by data furnisher does not meet the federal standard of verification, and the original creditor has not been properly documented.

Legal Grounds for Action FCRA 1681i Requires a timely reinvestigation and deletion of unverifiable information.

FCRA 1681c-2 ( Section 605B ) Requires blocking of disputed information stemming from identity theft or unauthorized activity.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information known to be inaccurate.

Agency Complaints Filed Due to your repeated failure to comply with the FCRA and my treatment during this process, I have already filed formal complaints with the following agencies : Georgia State Attorney Generals Office Federal Trade Commission ( FTC ) Federal Bureau of Investigation ( FBI ) Internet Crime Complaint Center ( IC3 ) These agencies are now aware of your noncompliance and the mishandling of my lawful consumer disputes.

Formal Demands I hereby demand that XXXX, XXXX, and TransUnion : Immediately delete or block the XXXXXXXX XXXX XXXX / XXXX XXXX  account from all credit reports under your control. 

Provide complete documentation of any evidence used to continue reporting this item after dispute. 

Issue written confirmation of the deletion or verified status, supported by documentation from the original creditor. 

Failure to Comply If you continue to report this account or fail to fully comply with this demand, I will pursue additional legal action and damages under FCRA 1681n and 1681o, including claims for willful and negligent violations of federal law. You are now on formal notice of your obligations and my intent to enforce my rights. 

Sincerely, XXXX XXXX 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