Consumer complaint received 2025-01-19 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: MA

Complaint narrative:
To whom it may concern, Dear human being.

Although I had written what I stated was my last message, to the Consumer Credit reporting agencies where stated that given the irreparable damages that the credit reporting agencies have caused me in my exhausting warfare against the Consumer Credit reporting agencies over the years where the Consumer credit reporting agencies have suppressed not only my Efforts and multiple requests for them to fix the multiple corrupted items accounts and inquiries that began appearing from no where, also the equally they have suppressed the Efforts and multiple requests of multiple Credit Repair Agencies that I have hired throughout all these years.

Also because of humanity I must write a Feedback, to the CFPB for their Invaluable Support as an Intermediary that is fair most of the times in their difficult quest or challenges to protect the interest of wronged Consumers.

So I decided to again file this complaint regarding Equifaxs willful and repeated failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and its mishandling of my consumer credit file. These failures have caused significant financial and emotional harm, starting with the XXXX XXXXXX/XX/XXXXdata breach and continuing through repeated acts of non-compliance with federal laws.

Despite sending multiple dispute letters, I have experienced ongoing issues, including : Failure to investigate disputed items under 15 USC 1681e ( b ).

Improper reinsertion of previously forgiven or deleted accounts under 15 USC 1681i ( 5 ).

Refusal to remove inaccurate items despite clear evidence, violating 15 USC 1681s-2.

Continued reporting of outdated or unverifiable information under 15 USC 1681c ( c ).

2. Violations of FCRA Laws Equifax has violated the following provisions : 15 USC 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of my consumer report.

15 USC 1681s-2 : Allowing inaccurate and unverifiable information to remain on my report and reinserted after deletion.

15 USC 1681i ( 5 ) : Reinserting items without proper notification or validation, as required by law.

15 USC 1681c ( c ) : Reporting accounts or inquiries beyond their allowable reporting period and failing to remove obsolete data. 


XXXX. Impact of the XXXX XXXX XXXX The XX/XX/2017 XXXX data breach, which exposed my personal data to cybercriminals, was the starting point of my financial struggles. Following the breach : My credit report was filled with unrecognized accounts, inquiries, and corrupted data. 

These inaccuracies have persisted despite multiple attempts to correct them. 


4. Reinserted Items and Refusal to Remove Errors I have submitted dispute letters detailing errors on my report, including accounts previously forgiven by creditors ( XXXX XXXX Bank, XXXX Bank. These items : Were initially deleted but later reinserted unlawfully without required notices or validation. 

Include accounts and inquiries caused by the breach or mismanagement of my data. 

Have caused me significant harm, including financial losses and denial of credit. 


Despite providing clear government identification, notarized authorization, and proof of inaccuracies, XXXX has used unfair tactics to obstruct my efforts. For example : Repeated demands for identification after it had already been provided through legally authorized credit repair agencies. 

Ignoring evidence and failing to investigate disputes properly. 


5. Reference to CFPB Actions Against XXXX I am aware of the recent CFPB enforcement action ordering XXXX to pay {$15.00} XXXX for its improper investigation practices. This further demonstrates their negligence and lack of commitment to consumers rights under the FCRA. 

6. Request for Resolution I am requesting the following actions : 1. XXXXmmediate deletion of all reinserted and unverifiable items from my Consumer Credit report with Equifax, Experian and TransUnion 2. A thorough and independent investigation into the handling of my disputes, with compliance to FCRA requirements. 


3. A clear explanation of how XXXX, XXXX, and TransUnion will prevent these issues in the future. 


4. Compensation for damages caused by XXXX, XXXX and TransUnion 's negligence, including financial losses and emotional distress. 


7. Closing Statement XXXX continued failure to meet its obligations under the FCRA and its negligent practices have caused me significant harm. As a consumer, I demand that my rights under federal law be upheld. I respectfully request the CFPB to investigate XXXX actions and enforce the necessary corrections and accountability.

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