Consumer complaint received 2025-06-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX To : TransUnion LLC XXXX. XXXXXXXX XXXX XXXX, PA XXXX -- - RE : FINAL LEGAL DEMAND PERMANENT REMOVAL OF FRAUDULENT, INACCURATE ACCOUNTS & INQUIRIES FCRA 1681i, 1681e ( b ), 1681c-2, and 604 ( a ) Dear TransUnion Dispute Department , This letter serves as final formal notice disputing the unauthorized, inaccurate, and unverifiable accounts and inquiries listed below, which currently appear on my TransUnion credit report. I have previously submitted no fewer than three formal disputesboth directly through TransUnion and via the Consumer Financial Protection Bureau ( CFPB ) and you have failed to produce any legally valid verification or supporting documentation linking me to these accounts.

Disputed Accounts and Inquiry : XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Department of Education Account # XXXX XXXX XXXX Unauthorized Inquiry XXXX. XXXXXXXX XXXX {$710.00} -- - LEGAL GROUNDS FOR DISPUTE AND REMOVAL : XXXX. XXXX XXXX Accounts Are Inaccurate & Not Mine The above XXXX XXXX accounts are falsely being reported as closed, but they were never opened, authorized, or accessed by me. Reporting themeven as closedimplies ownership and consent, which is false. You are legally obligated under FCRA 1681e ( b ) to maintain only accurate and verifiable data. Since you have failed to produce original application records or contracts with my signature, you must delete these tradelines entirely. 

XXXX. XXXX XXXX Inquiry Is Unauthorized and Fraudulent There is a hard inquiry from Capital One that I did not authorize. Under FCRA 604 ( a ) and 1681b ( c ), you are required to ensure that all inquiries on a consumer report are made with permissible purpose and authorization. Since this inquiry was not authorized by me, it is considered unauthorized access to my credit file and must be immediately removed. 

XXXX. Failure to Respond After Multiple Disputes ( 1681i ( a ) ) I have filed multiple disputes regarding these itemsthrough both your internal process and the CFPB. To date, TransUnion has failed to provide any legally sufficient documentation verifying the accuracy of these accounts. As a result, you are in violation of your obligations under 1681i ( a ) and these accounts must be deleted for failure to verify. 

XXXX. Identity Theft Concerns ( 1681c-2 ) Given the high risk of fraud and identity theftespecially in light of the Equifax data breachI believe some of these accounts and inquiries may stem from unauthorized or fraudulent use of my personal information. As such, I am asserting my right under FCRA 1681c-2 ( Section 605B ) to request that these items be blocked and permanently removed from my file. I have included an FTC Identity Theft Report and my government-issued ID to support this request.

-- - ENCLOSED DOCUMENTS : Government-issued photo ID Proof of current address FTC Identity Theft Report List of disputed accounts and inquiries -- - DEMANDS FOR ACTION : Pursuant to FCRA 1681i, 1681e ( b ), 1681c-2, and 604 ( a ), I hereby demand that TransUnion : 1. Permanently delete the XXXX XXXX, XXXX XXXX, and Dept. of Education accounts listed above. 


XXXX. Immediately remove the unauthorized XXXX XXXX inquiry from my credit report. 


XXXX. Cease and desist all future reporting of these unverifiable accounts and inquiries. 


XXXX. Send written confirmation within 30 days and provide an updated, corrected copy of my credit report. 




-- - NOTICE OF ENFORCEMENT If you do not comply within the 30-day statutory deadline, I will take the following action : File an additional complaint with the CFPB, FTC, and state attorney general.

Initiate civil litigation against TransUnion under FCRA 1681n and 1681o for willful and negligent noncompliance.

Seek statutory, actual, and punitive damages, along with attorneys fees and injunctive relief.

You have been given more than enough time and opportunity to resolve this. If TransUnion continues to report false, unverifiable information, you will be held fully liable under federal law. 


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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