Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Regarding EQUIFAX AND EXPERIAN Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and Equifax regarding its failure to protect consumer data, resulting in the massive Equifax and Experian data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Experian and Equifax continues to mishandle consumer data and fails to provide unreasonable sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the Equifax and Experian breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : Equifax and Experian failed to properly restrict access to consumer information. 1681e : Equifax and Experian failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : Equifax and Experian engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Experian and Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers im really so devastated my character of my name is ruin I close next week on my home and when I did my preapproval XXXX XXXX I was reapprove for my home now we close next week and I fear they are about to cancel the loan because my score dropped over XXXX points I was never notified by mail or anything but just a alert on Experian said my score dropped this is affecting my mental health now me and my family are about to be homeless please help removing these negative accounts off credit report im all my kids have and mail me a updated copy of my credit report to my house to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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