Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
Request for Verification Method and Compliance Review * * Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Inaccurate Reporting and FCRA Violations To Whom It May Concern, Thank you for acknowledging receipt of my complaint via the CFPB. However, I am following up to request specific details about the method of verification used for each of the disputed items outlined in the attached Exhibit A Evidence Sheet for TransUnion.

I am requesting a formal explanation under FCRA 611 ( a ) ( 7 ) describing how TransUnion conducted its investigation regarding the following concerns : SECTION 1 : BIOGRAPHICAL ERRORS - What documentation was used to verify the inclusion of inaccurate names such as XXXX, XXXX XXXX and XXXX, XXXX? 
- Why are outdated addresses like XXXX XXXX XXXX, XXXX PA and unverifiable employers such as MAINLINE HEALTH still reporting despite no confirmation from me?

SECTION 2 : UNAUTHORIZED INQUIRIES Hard inquiries listed below appear without permissible purpose or authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please confirm : 1. What permissible purpose each company certified under FCRA 604 ( a )?

2. Whether any consumer authorization or application exists for these inquiries.

3. If TransUnion validated the legal basis before continuing to publish these entries.

SECTION 3 : DEROGATORY ACCOUNTS You are also requested to provide : - Method of verification, - Supporting documentation reviewed, - Names and contact information of data furnishers, for the following accounts which show clear FCRA and Metro 2 compliance violations : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1900.00} medical collection with no DOFD or reporting compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} derogatory reporting with no payment/dispute updates or DOFD. 
XXXX XXXX XXXX XXXX XXXX alleged late payments, but no billing statements or payment schedule exist for the months in question. 
LEGAL CONTEXT & PRECEDENT I also remind TransUnion that courts have repeatedly held CRAs liable for failing to conduct proper reinvestigations : - XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA can not rely solely on information from furnishers without independently verifying its accuracy. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than parrot data from unreliable sources. 
- XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) TransUnion held liable for failing to verify basic factual inaccuracies. 
DEMAND FOR ACTION I am formally requesting that TransUnion : 1. Delete or correct all items in violation of FCRA and Metro 2 guidelines ; 2. Provide the method of verification used for each disputed item ; 3. Cease reporting of unverifiable or unauthorized information within 15 days of receipt of this letter.

Failure to comply may result in : - A renewed CFPB complaint ; - Formal FTC reporting ; - Potential civil litigation for actual, statutory, and punitive damages under FCRA 616 & 617.

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