Consumer complaint received 2025-05-02 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:
This complaint is submitted against Experian, Equifax, and TransUnion for their repeated, willful, and negligent violations of federal and state consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX XXXX XXXX Credit Reporting Standards ( as required by XXXX ) Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX et seq. 

XXXX. DISPUTED ACCOUNT XXXX XXXX XXXX  Account Number : XXXX Reported By : Equifax, Experian, TransUnion Nature of Dispute : Fraudulent account never opened or authorized.

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) : Failure to properly investigate dispute 1681g : Failure to provide verification documents 1681s-2 ( b ) : Failure of furnisher to investigate upon dispute 1681i ( a ) ( 5 ) ( B ) : Illegal reinsertion without certification or notice 1681c ( a ) : Reporting obsolete information FDCPA 1692g ( a ) : No validation notice within five days of reporting 1692g ( b ) : Continued collection/reporting without validation 1692e ( 8 ) : Reporting information known to be false 1692d : Harassing reporting tactics GLBA 6801 ( b ), 6802 ( a ) : Failure to protect consumer financial information Metro 2 Conflicting payment histories Inaccurate statuses Mismatched account numbers Florida Law ( FDUTPA ) 501.204 ( 1 ) : Deceptive or unfair reporting 501.203 ( 3 ) ( c ) : Misrepresentation of account legitimacy 501.976 ( 11 ) : Refusal to correct known errors Requested Action : Immediate deletion and permanent blocking of this account under FCRA XXXX. 

XXXX. FRAUDULENT INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FCRA 1681b ( f ) : Obtaining a consumer report without permissible purpose FDCPA 1692e ( 8 ) : Reporting known false information GLBA 6801 : Improper use or disclosure of consumer data Metro 2 : Unauthorized inquiry record FDUTPA 501.204 ( 1 ) : Unfair data collection practice Requested Action : Immediate deletion of all unauthorized and fraudulent inquiries. 

IV. INCORRECT ADDRESSES TO BE REMOVED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) : Inaccurate personal identifying information GLBA 6801 ( b ) : Privacy breach through incorrect address association FDUTPA 501.204 ( 1 ) : Unfair and deceptive listing V. SYSTEMIC BUREAU VIOLATIONS ( APPLY TO ALL 3 BUREAUS ) Failure to Notify FDCPA 1692g ( a ) Failure to Ensure Accuracy FCRA 1681e ( b ) Failure to Investigate FCRA 1681i ( a ) ( 1 ) ( A ) Failure to Reinvestigate FCRA 1681i ( a ) ( 6 ) Failure to Validate Debt FDCPA 1692g ( b ) Failure to Disclose Verification Records FCRA 1681g Illegal Reinsertion of Deleted Items FCRA 1681i ( a ) ( 5 ) ( B ) Privacy Violations GLBA 6801 ( b ), 6802 ( a ) Failure to Implement Identity Theft Protections FCRA 1681g ( e ) Metro 2 Format Noncompliance Invalid account structure FDUTPA Violations 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ) VI. RELIEF REQUESTED I respectfully demand that the Consumer Financial Protection Bureau immediately enforce the following : Permanent deletion and blocking of all fraudulent accounts, inquiries, and addresses listed. 

Written confirmation of all actions taken by the bureaus, including documentation of investigation methods. 

Strict compliance with FCRA 1681i ( a ) ( 5 ) ( B ) for any future reinsertion attempts.

Assessment of civil penalties and referral for enforcement action due to repeated and knowing violations.

Compensation for damages under 15 U.S.C. 1681n, 1681o, and injunctive relief if noncompliance persists. 

XXXX. ATTACHMENTS Government-Issued ID Social Security Card Identity Theft Police Report Proof of Address ( Utility Bill ) Letters to Bureaus

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