Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13543274
Complaint Overview
Complaint ID: 13543274
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New York
ZIP Code: 11003
Date Received: 2025-05-15T12:00:00-05:00
Date Sent to Company: 2025-05-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
EXPERIAN. EQUIFAX. TRANSUNION. Subject : Formal Demand for Immediate Removal of All Information Due to Security Breach & Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 12 CFR 1022.136, I demand the immediate removal of all information from my credit report within 24 hours due to systemic inaccuracies stemming from security breaches and identity theft. Legal Basis for Removal FCRA 605B Blocking Identity Theft Information All accounts, transactions, and derogatory marks ( including late payments and closed accounts ) must be blocked and removed under 15 U.S.C. 1681c-2 ( a ). The 2017 Equifax breach and subsequent unauthorized access to my data constitute identity theft, requiring immediate action. Closed Accounts Per 15 U.S.C. 1681c ( a ) ( 4 ), closed accounts must be removed if they are " inaccurate '' or " fraudulent. '' Security breaches render all account data unverifiable, necessitating deletion under CFPB Bulletin 2023-03 ( unverified information must be removed ). Child Support & Collections Child support reporting violates 15 U.S.C. 1681c ( a ) ( 7 ) ( prohibiting reporting of certain civil judgments ) and 42 U.S.C. 666 ( a ) ( 7 ) ( A ) ( restrictions on credit reporting for child support ). Collections tied to breached accounts are unenforceable under FDCPA 809 ( b ). Transaction History & Late Payments Post-breach transaction data is inherently fraudulent and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and CFPB v. Equifax ( 2025 ), unverified data must be deleted. Enforcement & Consequences 24-Hour Compliance Deadline : Failure to remove all information within 24 hours violates FCRA 621 ( a ) ( 2 ) ( A ) and triggers penalties of $ 1,000+ per violation. CFPB/FTC Reporting : Non-compliance will be reported to the CFPB and FTC under 12 U.S.C. 5514 and 15 U.S.C. 45. Legal Action : A lawsuit will be filed under 15 U.S.C. 1681n for willful non-compliance, seeking statutory damages, injunctive relief, and attorney fees.
Frequently Asked Questions
What is Complaint #13543274 about?
Complaint #13543274 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-15T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.