Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TransUnion Please have your TransUnion FILE IDENTIFICATION NUMBER available. Your unique FILE IDENTIFICATION NUMBER is XXXX and is also located at the top of this page. 
XXXX XXXX XXXX XXXXXXXX, PA XXXX, or if you have questions about the corporate secretary 's office, you can email XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT, Regarding XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$1700.00} - {$1700.00} XXXXXXXX XXXX XXXX XXXX CHARGE OFF TU DISPUTE RESOLVED REPORTED BY XXXX Be advised that the description of the procedure used to determine the accuracy andcompleteness of the information is hereby requested as well, to be provided within 15 days of thecompletion of your re-investigation I further remind you that, as in XXXX XXXX  TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Slip Opinion ) XXXX TERM, XXXX Syllabus NOTE : Where it is feasible, a syllabus ( headnote ) will be released, as is being done in connection with this case, at the time the opinion is issued. The syllabus constitutes no part of the opinion of the XXXX but has been prepared by the Reporter of Decisions for the convenience of the reader. See United States XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. SUPREME COURT OF THE UNITED STATES Syllabus you may be liable for your willful non-compliance Be advised that the description of the procedure used to determine the accuracy andcompleteness of the information is hereby requested as well, to be provided within 15 days of thecompletion of your re-investigation.Sincerely, I am writing to express my deep concern and dissatisfaction regarding the recent re-insertion of a previously deleted XXXX  XXXX account into my credit file without any written notification. This lack of notification is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a5B ), which mandates informing consumers within five days of reinserting a deleted item. I possess all prior correspondences and can provide proof of the absence of such notification.

This re-insertion raises serious questions regarding the adherence to federal laws governing consumer credit reporting, including the FCRA and the Gramm-Leach-Bliley Act. Under 15 USC 6802, I have a fundamental right to privacy with regards to my financial information, and your company 's actions infringe upon this right by re-inserting the XXXX XXXX account without proper notification. 

Moreover, no permissible purpose under 15 USC 1681b ( 2 ) has been established for your company to maintain a credit report on my behalf with the reinserted XXXX XXXX account. This dispute is rooted in the fact that your company never had my permission or a valid permissible purpose to furnish a credit report on my personal information. 

Additionally, the re-insertion raises identity theft concerns, as outlined in 18 USC 1028a and 15 USC 1681c-2. The unauthorized acquisition and use of personal information are serious offenses under federal law, and I expect your company to take immediate steps to block and correct this information, as required by law.

I demand the prompt removal of the inaccurately re-inserted XXXX XXXX  account from my credit file. Failure to comply within a reasonable timeframe will leave me with no option but to pursue legal action against your company for these egregious violations.

According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy Reinvestigations of Disputed Information Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to a quick resolution of this matter.Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. According to Section 604 of the FCRA, would you kindly provide me permissible purpose, proof that I initiated these inquiries and written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 
The following inquiries are at issue : This letter serves as a final warning, and I expect immediate and decisive corrective actions. 

Fraudulent Account XXXX  XXXX account XXXX XXXXXXXX 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 non-monetary relief