Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am writing to formally lodge a complaint against Experian for failing to maintain accurate and complete information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the XXXX Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ).

Despite my previous efforts to resolve these discrepancies, XXXX  has failed to correct or remove the following inaccurate and potentially misleading information : Accounts in Dispute : XXXX ( Charge-off ) Date Opened : XX/XX/XXXX Balance : {$0.00} Violation : Reporting of a charged-off account with a XXXX balance, potentially indicating the debt was sold or transferred without accurate updating. 

XXXX ( Charge-off ) Date Opened : XX/XX/XXXX Balance : {$420.00} Violation : Inaccurate charge-off reporting and possible failure to reflect accurate account status and balance. 

XXXX ( Charge-off ) Date Opened : XX/XX/XXXX Balance : {$860.00} Violation : Potential errors in balance reporting and failure to accurately update account status. 

XXXX XXXX ( Charge-off ) Date Opened : XX/XX/XXXX Balance : {$0.00} Violation : Incomplete and outdated information that misrepresents my current financial standing. 

XXXX XXXX ( Paid Collection ) Date Opened : XX/XX/XXXX Balance : {$0.00} Violation : Failure to update paid collection status, which can negatively impact my creditworthiness. 

XXXX XXXX ( Collection ) Date Opened : XX/XX/XXXX Balance : {$1100.00} Violation : Inaccurate reporting without proper debt verification, potentially violating FDCPA guidelines. 

XXXX ( Collection ) Date Opened : XX/XX/XXXX Balance : {$260.00} Violation : Failure to properly validate the debt and incomplete account reporting. 

XXXX XXXX  ( Collection ) Date Opened : XX/XX/XXXX Balance : {$660.00} Violation : Incomplete verification and potential violation of consumer rights. 

Legal Basis for Complaint : Under 15 U.S.C. 1681i ( a ), the FCRA requires that any information included on my credit report be accurate, complete, and verifiable. If these accounts can not be verified as accurate within the required XXXX timeframe, they must be promptly deleted from my credit report. 

Additionally, the FDCPA prohibits continued reporting of inaccurate or unverified information and mandates proper validation of any disputed debt. The Georgia Fair Business Practices Act ( FBPA ) also prohibits unfair or deceptive practices in consumer transactions, including the continued reporting of known inaccuracies or the failure to properly verify disputed accounts. 

Request for Immediate Resolution : I request that XXXX immediately : Conduct a full reinvestigation of these accounts. 

Remove any unverifiable, inaccurate, or outdated information. 

Provide written confirmation of the results of this reinvestigation. 

If these issues are not resolved promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX  Office of the Attorney General, and potentially pursue legal action for damages under the FCRA, FDCPA, and XXXX  FBPA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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