Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
( Date : XX/XX/XXXXXXXX  ) I am filing a formal complaint against TransUnion for ongoing, willful violations of federal consumer protection law. Despite submitting three rounds of certified mail disputes ( with tracking ), a notarized FTC Identity Theft Affidavit, a police report, and verified identity documentation, the credit bureaus continue to report unauthorized, inaccurate, unverifiable, and misleading information. 
I am submitting this formal complaint against XXXX, TransUnion, XXXX, and their reporting partners including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for willful violations of federal consumer law. 

I have sent three rounds of certified disputes with the following enclosures : A notarized FTC Identity Theft Affidavit A police report Highlighted credit reports showing fraudulent, inaccurate, and unverifiable data My ID and proof of address Chronology of violations Despite this, I have received no return receipt confirmations, no proper investigation, and XXXX deletions. I am now escalating due to systemic stall tactics, noncompliance, and credit reporting negligence. 

This includes : - Reporting charge-off lates after account closure ( e.g., XXXX ) - Reporting hard inquiries for accounts no longer active ( XXXX XXXX XXXX XXXX XXXX XXXX ) - Inaccurate or conflicting personal data : mismatched names, birthdates, XXXX FL address ( never lived there ), outdated employer listings - Multiple duplicate or unrecognized accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting balances, statuses, and payment data across bureaus The following federal statutes are being violated : - FCRA 602, 605 ( a ), 605B, 609, 611 ( a ), 616, 617, 623 - FDCPA 807, 809 ( b ), 813 ( 15 USC 1692e, 1692g ) - TILA 1026.7, 1026.12 - GLBA 501502 ( failure to protect PII ) - FACTA 605B ( ID theft blocking ) - Metro 2 ( XXXX  XXXX for data formatting ) FCRA ( Fair Credit Reporting Act ) : 602 Duty to ensure fair and accurate reporting 605 ( a ) & 605B Failure to block fraudulent data within 4 business days 609 ( a ) Refusal to disclose method of verification 611 ( a ) No reasonable reinvestigation conducted 623 ( a ) ( 1 ) ( A ) Furnishing knowingly inaccurate data 616 & 617 Civil liability for willful/negligent noncompliance FDCPA ( Fair Debt Collection Practices Act ) : 807 False/misleading representation 809 ( b ) Failure to validate debt 813 / 15 USC 1692k Civil damages TILA ( Truth in Lending Act ) : 1026.7 Inaccurate periodic statements 1026.12 Unauthorized use GLBA ( Gramm-Leach-Bliley Act ) : 501502 Failure to safeguard private financial data XXXX  / ID Theft Rules : 605B Failure to block info with ID theft affidavit Metro 2 Compliance : Incorrect payment statuses, dates, and balance formats XXXX  Violations : Failing to validate telecom and utility reporting Reporting tradelines I never authorized or used Sharing private data with affiliates without consent Damages : This negligence has directly led to : Credit denials Loan/funding rejections Reputational harm Emotional distress Data breach exposure ( e.g., XXXX  XXXX breach, affecting XXXX consumers ) I reference case law where courts have sided with consumers in identical matters : - * Cushman v. TransUnion *, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - * 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 Cir. XXXX ) : Accuracy obligations under FCRA The XXXX  data breach compromised the personal information of over XXXX XXXX Americans. Continued mishandling of disputes and unauthorized reporting demonstrates gross negligence, data security failure, and regulatory noncompliance.

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