Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX  XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Pursuant to the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.

Dear Credit Bureau ( s ), I do not consent to E-Oscar verification. This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for a credit card at XXXX XXXX XXXX. Upon closer look, this was due to inaccurate information on my credit report. I have reached out to all credit agencies more than XXXX times to get this resolved. There has also been several data breaches that have leaked my personal information that I believe adversely affected my credit. My credit report includes a middle initial in my name. I do not have a middle name. This is incorrect and needs to be removed as I do not have a middle name. 

I do not consent to E-Oscar verification. You have been notified that on my consumer report, there is a result of identity theft. I also notified you that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Please take notice that the accuracy and fairness of credit reporting are extremely essential and that Congress has made the following findings : The banking system is dependent upon fair and accurate credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I do not consent to E-Oscar verification. Therefore, consumer reporting agencies must fulfill their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. It has also damaged my credit standing, and most of all it has caused too much stress, which has affected my health.

I do not consent to E-Oscar verification. Pursuant to 15 USC 1681i ( a ), Reinvestigation required, please provide evidence of your reasonable procedures that were used to come to such a conclusion that this information is verified.

1. Who did you talk to?

2. When did you talk to them?

3. Give me the name of the person or persons you talked to.

4. What Telephone number did you dial 5. What address did you contact 6. Please provide me with documentary evidence that proves the information you reported was verified.

I do not consent to E-Oscar verification. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report, which is detailed as follows : Inaccurate Addresses need to be deleted/removed : Address reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete and remove. Unknown Name associated with my social security number : Note : I do not have a middle name. Please remove the initial P from my name. I have attached copies of my drivers license, Social Security card, and birth certificate as proof. I DO NOT HAVE A MIDDLE NAME. Please remove " P '' from my name. This is incorrect reporting on my credit report. 

Inaccurate Telephone Number Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Inaccurate Regular Inquiries : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX. 

Your immediate removal of the above-cited inaccurate information on my credit report will be greatly appreciated. I am sure you know that credit reporting laws only allow accurate information to be reported. 

Best Regards,

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