Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  To All Third-Party Credit Bureaus, Consumer Reporting Agencies , and Data Collectors Subject : FINAL LEGAL DEMAND FOR REMOVAL OF OUTDATED AND INACCURATE PERSONAL INFORMATION To Whom It May Concern, This letter serves as a formal and final demand for the immediate removal of outdated, inaccurate, and unverifiable personal information from my consumer credit file, as maintained by all third-party credit bureaus, consumer reporting agencies, and data collectors. Your continued failure to maintain accurate records and comply with federal law constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

DEMAND FOR IMMEDIATE REMOVAL OF THE FOLLOWING : Incorrect/Outdated Names : [ XXXX XXXX XXXX XXXX ] Incorrect/Outdated Addresses : [ XXXX XXXX XXXX  ] Outdated Employment Records and Any Other Erroneous Personal Information LEGAL BASIS FOR THIS DEMAND Your obligations under federal law are clear and absolute : you must ensure that all consumer reports are accurate, up-to-date, and free of outdated or misleading personal data. The continued reporting of obsolete or erroneous information is in direct violation of the following statutes and legal precedents : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. : 1681c ( a ) : Prohibits the inclusion of obsolete and outdated information.

1681i ( a ) : Mandates that agencies investigate and correct or delete disputed information within 30 days.

1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

1681n & 1681o : Establishes that agencies are liable for statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. : Reporting outdated, incorrect personal information constitutes false, deceptive, and misleading practices under federal law.

3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 et seq. : Requires financial institutions to safeguard consumer information and prevent unnecessary retention of outdated data.

CASE LAW ESTABLISHING LIABILITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court ruled that inaccurate reporting causes concrete harm, making agencies liable for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Failure to reasonably investigate disputes regarding inaccurate data is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX XXXX XXXX ) : Consumer reporting agencies must conduct thorough investigations, and failure to correct errors is legally actionable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Credit bureaus must take proactive steps to ensure accurate reporting rather than passively accepting incorrect data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Negligent noncompliance with FCRA accuracy requirements is actionable.

DEMAND FOR ACTION All agencies and data collectors are now formally ON NOTICE. I demand : 1. IMMEDIATE REMOVAL of all outdated, obsolete, and incorrect personal information from my credit file.

2. WRITTEN CONFIRMATION within 30 days that these deletions have been completed.

3. A DETAILED EXPLANATION citing specific legal grounds if your agency refuses to complygeneric responses will not be accepted.

LEGAL CONSEQUENCES FOR NON-COMPLIANCE Should you fail to comply with this demand in full, I will take immediate legal action, including but not limited to : Filing formal complaints with the following regulatory agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My states Attorney Generals Office XXXX XXXX XXXX ( XXXX  ) Other relevant state consumer protection agencies Initiating civil litigation against your agency for willful and negligent violations of the FCRA, FDCPA, and GLBA. Under FCRA 1681n, I am entitled to recover : Actual and punitive damages Statutory damages of up to {$1000.00} per violation Attorneys fees and court costs FINAL WARNING This is your final opportunity to comply. I expect full compliance within 30 days from the date of this letter. No further warnings will be issued. Failure to act will result in immediate legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX [ Date : XX/XX/XXXX ] XXXX XXXX. 

Re : Formal Dispute of Consumer Report Information & Immediate Demand for Data Privacy Assurance To Whom It May Concern, This letter serves as a formal dispute regarding any and all information XXXX XXXX may have associated with my name. Additionally, I am demanding a legally binding written assurance that my personal dataincluding but not limited to my Social Security number, identification documents, and any information you collectwill not be sold, transferred, shared, or used for any purpose beyond strict identity verification, in full compliance with all applicable federal and state laws.

LEGAL BASIS FOR THIS DEMAND XXXX XXXX is bound by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which imposes strict requirements on consumer reporting agencies regarding the handling, dissemination, and security of consumer information. Any unauthorized distribution of my personal data is a clear violation of these legal obligations and would constitute willful noncompliance under 15 U.S.C. 1681n, which carries statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees.

Furthermore, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809, mandates financial institutionsincluding credit reporting agenciesto implement stringent safeguards protecting consumer data from unauthorized access and misuse. Failure to comply with these requirements exposes XXXX XXXX to enforcement actions by the Federal Trade Commission ( FTC ) under 15 U.S.C. 6805.

Additionally, case law such as *XXXX XXXX XXXX XXXX* XXXX XXXX XXXX XXXX XXXX ( XXXX ) reaffirms that a consumer reporting agencys mishandling or unauthorized disclosure of consumer data is grounds for substantial legal liability. Further, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) establishes that willful noncompliance with federal consumer protection lawseven absent direct financial harmis sufficient for legal action and damages.

MY FORMAL DEMANDS 1. **IMMEDIATE CONFIRMATION IN WRITING** that my personal data will not be sold, shared, transferred, or used for any purpose outside of identity verification. I demand explicit assurance that XXXX XXXX is in full compliance with the FCRA, GLBA, and all applicable privacy laws.

2. **FULL DISCLOSURE** of any and all entities to which my personal information may have been previously disseminated. Under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to a full disclosure of my consumer file, including any parties that have accessed or received my data.

3. **PERMANENT DELETION REQUEST : ** If XXXX XXXX has no legitimate reason to retain my personal data under 15 U.S.C. 1681b, I demand its immediate deletion and written confirmation that all records associated with me have been permanently removed from your databases.

4. **IMMEDIATE RESPONSE WITHIN 30 DAYS : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to investigate and respond to consumer disputes within 30 days. Failure to comply will result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

NOTICE OF LEGAL CONSEQUENCES Should XXXX XXXX fail to comply with my requests or fail to provide a legally sufficient response, I will have no choice but to pursue all available legal remedies. This includes, but is not limited to : * Filing a formal complaint with the CFPB * Lodging a privacy violation complaint with the FTC * Seeking monetary damages in federal court under 15 U.S.C. 1681n for willful violations * Demanding a full regulatory investigation into XXXX XXXXs data handling practices Let this serve as your final opportunity to rectify any errors, provide the requested assurances, and avoid further legal consequences. Failure to respond adequately will result in immediate escalation.

I expect your full compliance and a written response no later than [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Any failure to meet this deadline will be considered willful noncompliance, and I will proceed with legal action accordingly. 

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