Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XX/XX/XXXX, 2025\n\n\nTo:  \nTransUnion LLC  \nXXXX XXXX XXXX XXXX, PA XXXX\n\nSubject: Dispute of Inaccurate and Unauthorized Accounts Due to Breach and Mishandled Credit Locks\n\nTo Whom It May Concern:\n\nThis letter serves as a formal dispute regarding several inaccurate and unauthorized accounts and inquiries listed on my credit report. I have been adversely affected by TransUnions mishandling of credit freeze/lock requests and negligent practices in relation to reported breaches. Items appeared on my report during a time when it was supposed to be secured by a credit lock, and my personal information may have been compromised in the known data breach that affected over XXXX  XXXX  consumers.\n\nIn XXXX, the CFPB and FTC issued enforcement actions against TransUnion for failing to process security freezes and credit locks, and for publishing tenant screening data with severe inaccuracies. Additionally, TransUnion was subject to a major data breach in XXXX  in which consumer data was exposed due to failure to implement proper encryption and safeguards.\n\nThe items below have been added to my file during or after this time, which represents serious violations of:\n 15 U.S.C. 1681c-1(h) Failure to block unauthorized activity during a freeze/lock \n 15 U.S.C. 1681e(b) Failure to ensure accuracy of reported data \n 15 U.S.C. 1681i(a) Failure to investigate disputed information \n 12 U.S.C. 5531 & 5536 Engaging in unfair or deceptive practices under the Consumer Financial Protection Act (CFPA)\n\nDisputed Accounts and Inquiries\n#\tCreditor\tBalance\tOpened Date\tAccount #\n1\tXXXX XXXX XXXX\t$XXXX\tXXXX XXXX, XXXX\XXXXXXXX\n2\XXXX XXXX Bank\XXXX XXXX, XXXX\XXXXXXXXXXXX XXXX XXXX, 2025\XXXX XXXX XXXX, XXXX\XXXXXXXX XXXX XXXX, XXXX\XXXX XXXX XXXX XXXX, XXXX\XXXXXXXX*\nHard Inquiries to Be Removed\n\n#\tCompany Name\tInquiry Date\n1\XXXX  XXXX\tXXXX XXXX, XXXX\n2\XXXX XXXX  XXXX\XX/XX/XXXX, XXXX\n3\XXXX  XXXX\XXXX XXXX XXXX\n4\XXXX  XXXX\XXXX XXXX, XXXX\n5\XXXX XXXX\XXXX XXXX, XXXX\n6\XXXX  XXXX\tXX/XX/XXXX, XXXX\n7\XXXX  XXXX\tXXXX XXXX, XXXX\n8\XXXX  XXXX\tXXXX XXXX, XXXX\n9XXXX XXXX, XXXX\XXXX\XXXX XXXX XXXX, XXXX\n11\XXXX XXXX, XXXX\XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX, XXXX\n14XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX XXXX, XXXX\n17\tXXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXX\nXXXX XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXXXX/XX/XXXX, XXXX\n24XXXX XXXX XXXX, XXXX\XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX\n\n\nPlease remove these accounts and inquiries as they were either unauthorized, inaccurately reported\n\nSend a written response with the results of your reinvestigation as required by the FCRA. If you are unable to verify these items, they must be deleted immediately.\n\nSincerely,  \nXXXX XXXX

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