Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
**TRANSUNIONS ILLEGAL AND INACCURATE CREDIT REPORTING & FCRA VIOLATIONS** I am filing this complaint against TRANSUNION for their failure to correct inaccurate and fraudulent information on my credit report despite multiple disputes. Their actions violate the FAIR CREDIT REPORTING ACT ( FCRA ) and have caused me significant financial harm.

**ISSUES WITH MY CREDIT REPORT : ** 1. **FAILURE TO INVESTIGATE OR RESPOND WITHIN 30 DAYS** - I have repeatedly disputed inaccurate information with TransUnion. They failed to respond within the legally required 30-day timeframe under 15 U.S.C. 1681I ( A ) ( 1 ) ( A ). 
- Instead of investigating, TransUnion shut me out of my credit report for approximately 18 months, preventing me from accessing or reviewing my own credit data. This obstruction is unacceptable and a violation of my rights. 

2. **INCORRECT NAME REPORTING : ** - TransUnion falsely lists my name as XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- My legal name is XXXX XXXX ( no middle name ). 
- This misidentification has resulted in fraudulent debts being reported under my credit file. 

XXXX. **FRAUDULENT DEBT REPORTING : ** - XXXX XXXX XXXX XXXX : This account does not belong to me and is clearly associated with XXXX XXXX, not me. Reporting this debt under my credit file is illegal and must be immediately deleted. 
- XXXXXXXX XXXX {$8400.00} FOR XXXX** : This debt was settled in my agreement with National Debt Relief, and per the legal settlement terms, it should have been removed. TransUnion has failed to comply. 

4. **FAILURE TO VERIFY DEBT : ** - TransUnion has never provided any proof that these debts belong to me, yet they continue to report them.

- Their failure to conduct a proper reinvestigation violates 15 U.S.C. 1681I ( A ) ( 1 ) ( A ).

**VIOLATIONS BY TRANSUNION : ** - Failure to properly investigate disputes ( 15 U.S.C . 1681I ) - Failure to report accurate information ( 15 U.S.C. 1681E ( B ) ) - Blocking access to my own credit report for 18 months - Failure to remove settled debts as required by a legal settlement - Unlawful reporting of debts belonging to someone else **REQUESTED RESOLUTION : ** - Immediate deletion of the **XXXX XXXXXXXX trade line, as it does not belong to me. 
- Immediate deletion of the XXXX XXXX ( XXXX XXXX ** trade line per the settlement agreement. 
- Immediate correction of my legal name to reflect only XXXX XXXX. 
- Restoration of my full access to my TransUnion credit report. 
- A full reinvestigation of all disputed items with documented proof or removal of all inaccurate information. 

**QUOTE FROM ATTORNEY ( XXXX XXXX XXXX - Division of XXXX XXXX XXXX ) : ** * '' One of the terms of the settlement for the defendant listed above was that the debt would be waived or the trade line deleted. Please send us a copy of your credit report so we may review your reports to make sure this is done. " * TransUnions failure to respond, obstruction of my credit file, and continued reporting of fraudulent debts are unlawful. I demand immediate correction, or I will pursue further legal action.

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