Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
This correspondence serves as a final formal complaint and demand for monetary relief based on TransUnion LLCs ongoing, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I contacted TransUnion to dispute two fraudulent accounts appearing on my credit file. These accounts have caused unjust damage to my credit standing and reputation. Pursuant to 15 U.S.C. 1681c-2, I requested a block be placed on the fraudulent data, and I provided all documentation required by law, including : A clear copy of my government-issued ID ( front and back ) ; A copy of my Social Security card ( front and back ) ; A signed and notarized Identity Theft Affidavit ; An official FTC Identity Theft Report and claim number ; Confirmation of complaints already filed with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX the Federal Trade Commission ( FTC XXXX XXXX and the Attorneys General for both XXXX  and XXXX. 

Despite being fully informed and in receipt of all legally sufficient materials, TransUnion has : Failed to block the disputed fraudulent accounts ; Terminated my calls twice without cause on XX/XX/year> ; Engaged in rude and obstructive behavior, including interrupting and cutting off my attempts to explain the issue ; Shown ongoing disregard for compliance with federal consumer protection laws. 

Legal Basis for Monetary Relief Your actionsand inactionsconstitute both negligent and willful noncompliance with your duties under the FCRA : Under 15 U.S.C. 1681n, I am entitled to statutory damages ( up to {$1000.00} per violation ), actual damages, punitive damages, and reasonable attorneys fees for willful noncompliance ; Under 15 U.S.C. 1681o, I am entitled to actual damages and costs due to negligent failure to comply with the law.

Demand for Monetary Relief Based on the harm caused and the totality of your misconduct, I hereby demand monetary relief in the amount of {$2500.00}, broken down as follows : {$1000.00} in statutory damages for failure to block fraudulent information ; {$1000.00} in actual and compensatory damages for distress, time lost, credit impairment, and burden imposed ; {$500.00} in punitive damages for the callous and obstructive treatment I received from TransUnion agents and your companys willful disregard for its legal obligations. 

Immediate Action Required In addition to monetary compensation, I demand that you : Immediately place a fraud block on the two disputed accounts in accordance with the FCRA ; Provide written confirmation that the block has been implemented and that my credit file has been corrected ; Acknowledge in writing that this matter has been investigated and appropriate remedial actions have been taken internally. 
If this matter is not resolved within 15 calendar days of the date of this letter, I will proceed with additional legal action, including a civil lawsuit seeking statutory, actual, and punitive damages under the FCRA. 

This is your final opportunity to resolve this matter voluntarily. Please govern yourselves accordingly.

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