Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX SSN : XXXX DOB : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Escalated Complaint Continued Violations of the Fair Credit Reporting Act by Equifax, Experian, and TransUnion | Complaint IDs XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX To Whom It May Concern, This letter serves as a formal escalation of my previously filed complaints with the CFPB regarding widespread and willful violations of the Fair Credit Reporting Act by Equifax, Experian, and TransUnion. Despite submitting extensive evidence of inaccuracy, identity theft, and systemic data violations, my complaints were closed without meaningful correction, reinvestigation, or deletion. The following CFPB complaint IDs are being escalated for regulatory action : XXXX Equifax XXXX Experian XXXX TransUnion XXXX TransUnion XXXX Experian XXXX Equifax Each bureau has failed to fulfill its legal obligation to ensure the maximum possible accuracy of consumer information under 15 USC 1681e ( b ), and to conduct a lawful reinvestigation under 15 USC 1681i. I am now in my third round of disputes. All three CRAs have disregarded clear XXXX XXXX data violations and failed to delete accounts that remain materially inconsistent, unverifiable, or reinserted without proper certification. 

Accounts still reporting with significant data errors include : DPT EDXXXX and DEPTED/XXXX  Multiple student loan tradelines falsely marked late after closure or payment ; reporting different statuses across XXXX XXXX XXXX late added during dispute process, indicating willful reinsertion without consumer notification XXXX Conflicting open/closed statuses, payment history gaps, and balance/date inconsistencies XXXX  XXXX  Marked late during active dispute with no response from furnisher XXXX XXXX XXXX  Collection account only reporting to one bureau, no verification, and likely reaged My identity was compromised in both the Equifax data breach and a National Public Database breach. I provided a valid FTC Identity Theft Report ( ID : XXXX ), proof of address, SSN, and government ID. Despite this, the CRAs have refused to suppress or block any items as required under 15 USC 1681c-2. None of my requests were frivolous or unsupported. I submitted updated evidence, cited specific legal violations, and gave the bureaus multiple chances to comply. 

Their continued refusal to correct or delete these itemsafter lawful disputes supported by documentsnow qualifies as willful noncompliance under 15 USC 1681n and negligent failure to reinvestigate under 15 USC 1681o. Moreover, no bureau provided a lawful Method of Verification as required under 15 USC 1681i ( a ) ( 7 ), despite my formal MOV requests. They also failed to follow XXXX XXXX data reporting standards across critical fields including Account Status, Payment Rating, Date of Last Payment, and FCRA Compliance Dates.

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