Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Against XXXX  for Violations of the FCRA, CFPB Regulations, UCC, and Federal Consumer Protection Laws [ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) ] [ XXXX, New York , XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX To Whom It May Concern : I am writing to file a formal complaint against XXXX  ( and by extension, XXXX  and TransUnion ) for multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Uniform Commercial Code ( UCC ), and other relevant statutes. 

( I received a email from XXXX  today XX/XX/year> ) 1. Inaccurate Personal Information : XXXX  is reporting blatantly inaccurate personal information on my credit report, including : Incorrect spelling of my name. 
Addresses that do not match any government-issued identification ( e.g., passport, drivers license, or Social Security card ).

Names associated with my Social Security number that do not appear on my official Social Security card.

These inaccuracies violate 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to ensure maximum possible accuracy of consumer information. Furthermore, XXXX failure to correct these errors after my disputes violates 15 U.S.C. 1681i, which mandates the correction of inaccurate or unverifiable information.

2. Verification of Invalid Debts : XXXX  claims that disputed items have been verified by collectors with whom I have no contractual agreement. This violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a reasonable investigation upon receiving a dispute. The purported verification of debts I never agreed to, including obligations falsely attributed to me, is a violation of my rights under the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

3. Child Support and Court-Related Reporting Issues : XXXX is reporting chil
d support and court-related obligations as debts or loans, which is misleading and inaccurate. Child support is a parental obligation under the Social Security Act, not a loan or credit transaction. Courts do not issue loans, and child support obligations are not furnished by creditors but are instead court-ordered obligations. Reporting them as tradelines or debts violates : 15 U.S.C. 1681e ( b ) ( accuracy requirements ).

15 U.S.C. 1681c ( f ) ( restrictions on reporting certain negative information ).

The UCC, which governs commercial transactions, not court-ordered support obligations.

4. Failure to Provide Validation and Purchase Agreements : I have repeatedly requested a PURCHASE AGREEMENT and validation of the alleged debts under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), but XXXX  and the purported collectors have failed to respond. Their continued reporting of unvalidated information violates : FCRA ( 15 U.S.C. 1681s-2 ).

CFPB Regulation V ( 12 CFR Part 1022 ).

Federal Consumer Protection Laws ( 12 U.S.C. 5531 ).

5. Demand for Immediate Action : I demand that XXXX, XXXX, and TransUnion : Immediately remove all inaccurate personal information ( names, addresses, etc. ) from my credit report.

Remove all unvalidated and improperly reported items, including child support and court-related obligations misrepresented as debts.

Provide written validation of any alleged debts, including the original purchase agreement and proof of my contractual obligation.

Cease reporting any information that can not be verified under FCRA 1681i.

6. Legal Basis for Complaint : XXXX  actions violate the following laws : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Accuracy, investigation, and correction requirements.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Prohibition of unfair, deceptive, or abusive acts.

Uniform Commercial Code ( UCC ) Inapplicability to non-commercial, court-ordered obligations.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) Validation requirements.

Attached Documentation : Copies of my government-issued identification ( passport, Social Security card , etc. ).

Copies of my credit report highlighting inaccuracies.

Copies of my dispute letters to XXXX  and their responses ( or lack thereof ).

I expect a prompt investigation into this matter and immediate corrective action. Failure to resolve this may result in further legal action under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent violations.

Thank you for your attention to this serious matter. 

Sincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX XXXX, XXXX ] Enclosures : Identification documents Credit report excerpts Dispute correspondence Proof of Social Security number and address

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 explanation