Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
Experian TransUnion Equifax SUBJECT : IMMEDIATE DEMAND FOR INVESTIGATION, BLOCKING, AND DELETION OF INACCURATE AND UNAUTHORIZED ENTRIES PURSUANT TO DATA BREACH AND FEDERAL LAW To Whom It May Concern, This letter serves as an immediate and unequivocal demand for the thorough investigation, blocking, and permanent deletion of all negative items and unauthorized hard inquiries from my credit reports. My personal information was demonstrably compromised in the Equifax data breach, an incident that has directly impacted my financial standing and creditworthiness, as confirmed by the Equifax Data Breach Settlement notification indicating my information was impacted by this incident ( see attached documentation ).

It is imperative that you understand the gravity of this situation and the legal obligations you have. Under 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ), I am exercising my right to demand the blocking of all information on my credit report that is a result of identity theft. Given the Equifax data breach, it is reasonable to infer that any and all negative items and unauthorized inquiries appearing on my report could be a direct consequence of this compromise. 
Furthermore, I specifically refer to 15 U.S.C. 6802 ( Obligations with respect to disclosures of personal information ), which mandates the protection of consumers ' nonpublic personal information. The presence of compromised data and subsequent inaccurate reporting directly violates this principle.

My rights as a consumer are further protected under 15 U.S.C. 1681 section 604 ( a ) ( 2 ) ( Permissible purposes of consumer reports ). This section dictates that a consumer report may only be furnished in response to a court order or for specific permissible purposes. The hard inquiries on my report, particularly those I did not authorize, are a direct violation of this provision and are a clear indication of potential identity theft or unauthorized access to my credit file as a result of the data breach.

I demand that you immediately : * Conduct a comprehensive investigation into the origin and validity of every negative item and hard inquiry on my credit report. 
* Immediately block any and all derogatory accounts and hard inquiries that can not be irrefutably verified as legitimate and authorized by me, effective immediately. 
* Permanently delete all blocked items from my credit report without delay. 
I have attached relevant documentation, including proof of my identity and the Equifax data breach settlement notice confirming the impact on my personal information. I expect to receive confirmation of the completion of this investigation and the deletion of the disputed items within 15 days of your receipt of this letter. 
Be advised that failure to comply with my demands and fulfill your obligations under federal law will result in further legal action. I expect this matter to be resolved swiftly and in its entirety. 
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