Consumer complaint received 2025-05-17 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.

Complaint narrative:
TransUnion XXXX XXXX has added following XXXXour defaulter accounts to my CIBIL profile and out of these four, on one defaulter accounts the legal suit was filed ( XXXX XXXX Personal Loan => XXXX ) : XXXX ) XXXX => Personal Loan => XXXX XXXX ) XXXX XXXX Personal Loan => XXXX XXXX ) XXXX Bank XXXX Credit Card XXXX XXXX XXXX ) XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX have below concerns on this and one which I want you to reply before I take further action against TransUnion XXXX : XXXX ) During XXXX week of XX/XX/year>, while home loan processing at XXXX, these defaulter accounts were reported by XXXX during XXXX check and XXXX declined to process the loan due to these defaulter accounts and the legal suit which was filed on XXXX of the defaulter accounts. 
XXXX ) When I came to know about this, I immediately reported this to TransUnion XXXX on XXXX XX/XX/year> with complete details. TransUnion XXXX resolved this and shared the updated CIBIL report to me on XXXX XX/XX/year>. 
XXXX ) TransUinon CIBIL also updated the XXXX score from XXXX to XXXX, I was not satisfied with this rectification in XXXX score thus I again raised the complaint and my concerns to TransUnion XXXX on XXXX XX/XX/year> and latest on XXXX XX/XX/year> ( refer trailing mail ), since I am still not satisfy with the reply from TransUnion XXXX and due to the mistake done by TransUnion XXXX my XXXX score is impacted and then I got home loan on higher interest rate due to the low CIBIL score which should be higher side if these defaulters accounts were not added to my CIBIL profile by TransUnion XXXX. 
XXXX ) TransUnion XXXX has added these four ( mentioned above ) defaulter accounts to my CIBIL and as per our earlier mail conversation, this mistake is accepted by TransUnion XXXX ( refer mail dated XXXX XX/XX/year> ) : " XXXX XXXX matches the data submitted by different credit institutions basis personal information like Name, Date of Birth, PAN, City, State, Pin code, telephone numbers to generate an individual 's Credit Information Report ( CIR ). We use complex match logic to help ensure that the errors do not occur. This is an automated process and involves no manual intervention. However, if personal information of an individual is common/ similar to another individual, that data of two individuals gets merged due to lack of unique identifier. This may lead to inaccuracies in the CIR. '' I would like to ask, Why TransUnion XXXX has added these four defaulter accounts to my CIBIL profile? Why TransUnion XXXX is making such mistakes in the critical document/ report like XXXX which is directly related to the rate of interest and load acceptability? 
Due to this mistake done by TransUnion XXXX I suffered a lot and my CIBIL score is impacted thus based on below impacts I would like to demand monetary compensation from TransUnion XXXX : XXXX ) Due to these defaulter accounts which were mistakenly added by TransUnion the XXXX cancelled my loan application and due to this I faced mentally harassment while there was no mistake from my side. 
2 ) Due to these defaulter accounts which were mistakenly added by TransUnion, I cross checked my XXXX  from another credit institute and that impacted me financially as I paid them to download credit reports. I had downloaded XXXX score from XXXX  and I can share you the payment details if

required. 3 ) Due to these defaulter accounts which were mistakenly added by TransUnion, my CIBIL score is badly impacted while I have only one delay payment in the last 36 months which is confirmed by TransUnion XXXX in trailing mail. Due to this impact in XXXX report the home loan rate of interest shifted on a higher side and this impacts me financially to pay more interest for home loan. Refer XXXX home loan interest rate which varies from 8.25 % to 9.20 % based on XXXX score ( https : //sbi.co.in/hi/web/interest-rates/interest-rates/loan-schemes-interest-rates/home-loans-interest-rates-current ) and if these defaulter accounts were not added to my XXXX then my CIBIL score was on higher side ( possibly XXXX or more ) and then I got home loan on comparatively lesser rate. 
XXXX ) After accepting the mistake by TransUnion XXXX and removing these defaulter accounts from my CIBIL, my XXXX score is improved from XXXX to XXXX, but this is not correct as my loan and credit card payment history is always clean ( except one delay payment ) is last 36 months and even earlier to that ( as mentioned by TransUnion XXXX ) so my credit score should be more than that ( possibly XXXX or more ). I would like to know on which basis the TransUnion XXXX rectified the XXXX score and what would be my CIBIL score if these defaulter accounts were not added mistakenly by TransUnion XXXX. 
XXXX ) When TransUnion XXXX receives the details from credit institutes then they should verify each and every details carefully before linking any accounts to any XXXX report, the irresponsible behavior done by TransUnion XXXX team on their job/ work for which they are getting paid and for which they should be responsible and due to this irresponsible behavior of TransUnion XXXX team the actual user/ consumer is suffered with mental and financial losses. Who is taking this responsibility?

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