Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are inaccuracies on my credit report and I want to express my concerns regarding Equifax 's failure to notify me that my personal information was compromised in a data breach. Additionally, I believe Equifax has failed to conduct a proper investigation regarding my disputes, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
The following details pertain to my account and the errors I have identified I am requesting immediate action in accordance with the following FCRA provisions : 1. Investigation and Correction of Credit Report Errors ( FCRA 611, 15 U.S.C. 1681i ) : I have identified inaccurate information on my credit report, which may be a result of the data breach. Equifax is required to conduct a proper reinvestigation of disputed information and correct any inaccuracies within 30 days.

2. Failure to Notify of Data Breach ( FCRA 609, 15 U.S.C. 1681g ) : Under FCRA, I have the right to be informed when my personal information is exposed in a breach that could impact my credit file. I demand a written explanation as to why I was not informed and what measures Equifax has taken to protect affected consumers.

3. Failure to Conduct a Proper Investigation ( FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) ) : If Equifax has previously investigated my dispute and failed to correct inaccuracies, I demand an immediate and thorough reinvestigation, including the identification of the sources of the disputed information.

4. Fraud Alert Placement ( FCRA 605A, 15 U.S.C. 1681c-1 ) : Place a fraud alert on my credit file to prevent further unauthorized access.

5. Written Confirmation of Actions Taken : Provide written confirmation of the actions taken in response to this dispute, including a free updated copy of my credit report reflecting any corrections made.

Im enclosing my government-issued ID and any other relevant documentation to verify my identity.

As a consumer impacted by this breach and inaccurate reporting, I expect Equifax to comply with its legal obligations under the FCRA and take immediate and appropriate action. Failure to comply may result in further legal action to enforce my rights. Please respond within the legally mandated time frame. 
The following information that appear in my credit report is inaccurate and incorrect. 
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 In all of the above accounts there are errors. I am in disagreement with the items listed. I Provided copies of XXXX very own investigation results where they stated the accounts that I provided was incorrect. INCORRECT IS DEFINED AS NOT ACCORDING TO FACT. If XXXX is reporting inaccurate info and you are reporting the same information then you as well are inaccurate info your reporting .I asked several times for a copy of the investigation you done to come to the conclusion of it being accurate. This inaccuracy is highly injurious to my credit rating and costing me XXXX XXXX XXXX in interest. Please delete these accounts immediately. And provide me with a copy of your investigation the date you contacted the companies, the person you spoke with, the time and the information they provided. And how you determine the accuracy. Only a signed CONTRACT CAN VALIDATE ME! Please do not respond with your GENERIC RESPONSE OLEASE PROVIDE FACTSTHAT CINNECT ME TO THESE ACCOUNTS. If you continue to be non compliant to the law. I further remind you that as in XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that you may be held reliable for willful non compliance Include in attached files is my id and a bill of my address

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