Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Action Required Under FCRA 605B ( 15 USC 1681c-2 ) Demand for Removal of Fraudulent Information To Whom It May Concern, This letter serves as an official demand for the immediate removal of fraudulent and inaccurate information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, codified at 15 U.S. Code 1681c-2. Under this provision, you are legally obligated to block fraudulent information from my credit report within four ( 4 ) business days of receiving this formal notification. The following accounts have been falsely reported to your agency and must be blocked without delay as they are the direct result of identity theft and were never authorized by me XXXX XXXX XXXX XXXX  - Under 15USC 1692g. Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXXXXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX  - XXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX  XXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXXXXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXXXXXX XXXX XXXX XXXX XXXX 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXXXXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXX XXXX XXXX ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXX XXXX 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXX - 1692 ( g ) Disputed debts-Validation of debts - I request validation under 15US Code 1692g-Validation of debt XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - The following inquiry was not authorized and should not be reporting. These accounts were fraudulently opened using my personal information, and I have attached all necessary supporting documentation ( such as my identity theft affidavit, police report, and any additional records you may require ). Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. You are required to block this information from my credit report no later than four ( 4 ) business days from the receipt of this notice. 2. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 3. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. I expect to receive written confirmation that the fraudulent accounts listed above have been blocked and permanently removed from my credit file as required by law. This matter requires your immediate attention, and I anticipate your prompt and thorough compliance. Sincerely, XXXX XXXX XXXX XX/XX/XXXX 2 of 6Enclosures : FTC FCRA 605B ( 15 USC 1681c-2 ) Social Security Card Proof of Address

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