Consumer complaint received 2025-06-19 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: TX

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*VIA CERTIFIED MAIL & EMAIL**  \n\n**Experian**  XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n**TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Creditors**: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*RE: FINAL NOTICE - DEMAND FOR ACCOUNT DELETION UNDER FCRA/XXXX XXXX/TEXAS LAWXXXX XXXX I. YOUR LEGAL VIOLATIONS  \nYou are illegally reporting accounts violating these laws:  \n1. **U.S. Federal**:  \n   - FCRA  1681e(b) (inaccurate reporting)  \n   - FCRA  1681i(a)(5) (refusing to delete unverified accounts)  \n   - 15 U.S.C.  1692e (false debt representation)  \n2. **Texas Law**:  \n   - Finance Code  392.304 (credit reporting fraud)  \n   XXXX XXXX XXXX XXXX XXXX XXXX (defamation)  \n3. **XXXX  Law** (for your XXXX  subsidiaries):  \n   - XXXX  XXXX XXXX. 17 (right to erasure)  \n   - Data Protection Act XXXX   94 (inaccurate data)  XXXX II. ACCOUNTS DEMANDING IMMEDIATE DELETION  \n| Creditor | Account # | Violations |  XXXX XXXX XXXX | XXXX  | Fake "Charge-Off" status |  \n| XXXX | XXXX  | Invalid $XXXX  collection |  XXXX XXXX | 636992XXXXXXXXXX | Zombie debt with no validation |  \nXXXX XXXX XXXX XXXX XXXX XXXX Fabricated late payments |  \n| XXXX | XXXX  | Illegal balance re-aging |  XXXX III. NON-NEGOTIABLE DEMANDS  \n1. **Within 5 business days (by XXXX XXXX XXXX:  \n   - Delete ALL disputed accounts from all credit files  \n   - Email confirmation to both my email addresses  \n2. **Within 10 business days (by XXXX XXXX XXXX   \n   - Send updated credit reports via certified mail  \n   - Provide documents proving account deletion  \n   - Pay $XXXX  statutory damages ($XXXX  per account) XXXX IV. LITIGATION WARNING  \nFailure to comply will trigger:  \n- **Federal lawsuits** under FCRA  1681n (willful noncompliance)  \n- *XXXX XXXX  claims** against Equifax XXXX/Experian XXXXTransUnion XXXX   \n- **Criminal referrals** to Texas AG for credit fraud (Penal Code  32.315)  \n- **Treble damages** under DTPA  17.50 (3x actual damages)  \n\n**Certified Mail Tracking #**:  \n- ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax: XXXX XXXX XXXX XXXX XXXX XXXX- TransUnion: XXXX XXXX XXXX XXXX XXXX XXXX*RESPOND TO**: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nSincerely,  XXXX XXXX XXXX ENCLOSURES  \n1. Proof of fabricated XXXX XXXX  payment history  \n2. XXXX  balance re-aging evidence  \n3. Prior dispute reference numbers  \n\n**CC**:  \nCFPB | FTC | Texas Attorney General | XXXX  Information Commissioners Office  \n\n> **LEGAL NOTICE**: This letter constitutes formal notice under 15 U.S.C.  1681g(c). Any continued reporting after receipt is **willful violation** punishable by imprisonment under 18 U.S.C.  1029 (credit fraud).'

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