Consumer complaint received 2025-10-28 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:
XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL To : TransUnion LLC Supervisor, Consumer Fraud Division XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX CEASE AND DESIST FRAUDULENT ACCOUNTS, COLLECTIONS & INQUIRIES Re : Dispute of Fraudulent Accounts, Identity Theft, and Notice XXXX XXXX XXXX XXXX Dear TransUnion XXXX, I, XXXX XXXX XXXX, dispute the fraudulent accounts, collections, and inquiries listed below. These tradelines are the result of identity theft and fraudulent third-party activity. Several collection agencies obtained my personal information without my consent and lack lawful standing to report or collect. 



1. Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$170.00} XXXX. XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$750.00} XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$350.00} XXXX. XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$650.00} XXXX. Fraudulent Inquiries XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. Legal Grounds for Removal Unauthorized Accounts : I have not applied for, signed, or entered into agreements for these accounts. 
FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate information.

Reinsertion Restrictions : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted information can not be reinserted without proper certification and consumer notification.

Fraud Block Requirement : Under 15 U.S.C. 1681c-2, fraudulent data must be blocked once identity theft is reported and verified.

Reasonable Procedures Obligation : Under 15 U.S.C. 1681e ( b ), CRAs must ensure maximum possible accuracy. 
Consumer Definition : Under 15 U.S.C. 1681a ( 2 ) ( xi ), I am a consumer entitled to all protections under the FCRA.

Debt Collection Communications : Under 15 U.S.C. 1692c and 1692g, I restrict unlawful communications and demand debt validation.

Proof of Ownership & Chain of Custody : Courts require proof of ownership and assignment before reporting or collection. See In re XXXX, XXXXXXXX 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 
UCC Article 3 Holder in Due Course : U.C.C. 3-301 & 3-203 ( b ) require creditors to prove entitlement before enforcement or reporting.

Right of Rescission : Under 15 U.S.C. 1635, I reserve the right to rescind any transaction fraudulently created in my name. 



XXXX. Case Law Supporting Liability Courts have repeatedly held TransUnion accountable for improper reinsertion, false reporting, and negligence : TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) established standing to sue TransUnion for inaccurate reporting. 
XXXX XXXX TransUnion LLC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) TransUnion found negligent for failing to maintain accurate reporting systems. 
XXXX XXXX TransUnion LLC, No. XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) liability for inaccurate reporting and failure to investigate consumer disputes. 



XXXX. Demands for Immediate Action I demand that TransUnion : 1. Cease and Desist from reporting, reinserting, or distributing fraudulent accounts, collections, or inquiries.

2. Permanently delete and block the disputed data, including addresses associated with fraud.

3. Correct my consumer file and notify all third parties who received inaccurate data.

4. Provide written confirmation within five ( 5 ) calendar days of receipt.

6. Preservation of Evidence This serves as a Notice of Preservation of Evidence. TransUnion must preserve all records, contracts, applications, assignments, and communications related to these disputed debts. Failure to preserve evidence will be deemed spoliation and grounds for sanctions. 



XXXX. Enclosures FTC Identity Theft Report Copy of government-issued ID SSN verification XXXX. Notice of Remedies If this matter is not resolved, I will escalate complaints to the CFPB, FTC, and Missouri Attorney Generals Office. I further reserve the right to pursue statutory, compensatory, and punitive damages under the FCRA, FDCPA, UCC, and all other applicable laws. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX XXXX : XX/XX/XXXX SSN : 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