Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
I am filing this complaint against TransUnion and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit dispute, full file disclosure request, and method of verification request. I obtained my credit report from XXXX and identified numerous inaccurate, outdated, and unverifiable items that remain uncorrected despite my valid disputes and supporting documentation. 

The following items are reporting inaccurately and have not been properly verified as required by law : Incorrect previous address XXXX XXXX XXXX, XXXX MI XXXX Incorrect previous address XXXX XXXX XXXX, XXXX MI XXXX Incorrect employer XXXX XXXX Unauthorized inquiry XXXX XXXX, XX/XX/XXXX Unauthorized inquiry XXXX, XX/XX/XXXX Unauthorized inquiry XXXXXXXX XXXX XX/XX/XXXX Unauthorized inquiry XXXX XXXX, XX/XX/XXXX Unauthorized inquiry XXXX XXXXXX/XX/XXXX Unauthorized inquiry XXXX, XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Late payments ( open ) XXXX XXXX, multiple accounts including 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 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 off XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment ( closed/paid ) XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment ( closed/paid ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment ( closed/paid ) XXXX, Account XXXX. XXXX * XXXX XXXX XXXX  Late payment ( closed/paid ) XXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX These items are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be deleted entirely from a consumers credit file.

Despite my specific dispute and supporting documentation, both credit bureaus failed to : Conduct a reasonable and good-faith reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) Provide a detailed and transparent method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Maintain maximum possible accuracy in reporting under 15 U.S.C. 1681e ( b ) Provide a complete consumer file disclosure as required under 15 U.S.C. 1681g I also requested correction of personal identifiers. Both bureaus continue to report outdated addresses, incorrect employer information, and unverifiable identifiers. My correct identifying information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX Both TransUnion and Equifax were required to respond within 30 days to the dispute and within 15 days with the full method of verification, as mandated by the FCRA. To date, they have not provided the requested documentation or evidence showing how these items were verified. 

Their ongoing failure to comply constitutes clear violations of the FCRA, including noncompliance with sections 1681e ( b ), 1681g, and 1681i. These violations have caused ongoing harm, inaccurate reporting, and unnecessary obstacles to my financial standing.

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