Consumer complaint received 2025-08-07 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 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email TransUnion LLC XXXX XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Accounts and Inquiries RE : Demand to Cease & Desist and Immediate Deletion of Fraudulent Information Pursuant to Federal Law To Whom It May Concern : I, XXXX XXXX, am formally disputing fraudulent, inaccurate, and unauthorized information currently appearing on my TransUnion credit report. This includes accounts and inquiries that were not opened or authorized by me. I request immediate deletion of these items pursuant to my rights under : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Additional applicable federal and state privacy and consumer protection laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE A formal Identity Theft Report has been filed with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). I have also submitted disputes with XXXX XXXX XXXX The following accounts and inquiries are the result of identity theft and were not authorized by me. 



FRAUDULENT ACCOUNTS TO BE DELETED 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX GROUNDS FOR REMOVAL 1. These institutions have confirmed there is no valid agreement or contract bearing my signature or authorization.

2. There is no legally binding documentation, evidence of consent, or verified application linking me to the accounts.

FRAUDULENT INQUIRIES TO BE REMOVED SYNCB/AMAZON Date of Inquiry : XX/XX/XXXX NOTICE OF LEGAL VIOLATIONS Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information known or reasonably believed to be inaccurate. Continued reporting of the above accounts after this notice constitutes willful noncompliance with both the FCRA and FDCPA.

LEGAL PRECEDENT Federal courts have consistently held credit reporting agencies accountable for failure to correct inaccuracies, including : XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : TransUnion found liable for failing to ensure maximum accuracy. 
XXXX v. TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to conduct reasonable reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Continued misreporting deemed willful FCRA violation. 



DEMANDS You are hereby instructed to : 1. Cease and desist from reporting, collecting, or sharing information related to the fraudulent accounts and inquiries.

2. Refrain from disclosing or disseminating my personal information without my written consent.

3. Permanently delete all data related to these entries from your system.

4. Notify all consumer reporting agencies and data furnishers of these deletions.

5. Provide written confirmation of compliance within five ( 5 ) calendar days of receiving this letter.

ENCLOSURES FTC Identity Theft Report Supporting documentation indicating fraudulent activity NOTICE OF INTENT TO PURSUE LEGAL ACTION Failure to comply with these demands will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and relevant state Attorneys General ; Civil litigation to pursue statutory, punitive, and compensatory damages under federal law.

Please govern yourselves 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