Consumer complaint received 2025-03-09 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:
I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate, remove, and permanently block fraudulent accounts, addresses, inquiries, and employer data from my credit reports. Despite multiple written disputes and the submission of supporting documentation, these credit bureaus continue to report fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and other federal consumer protection laws. 

Violations Committed by Equifax, Experian, and TransUnion Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i Credit bureaus must investigate disputes within 30 days ( or 45 days if additional information is submitted ). They failed to complete a proper investigation within this timeframe. 
Failure to Remove Fraudulent Accounts 15 U.S.C. 1681c-2 Under FCRA, the credit bureaus must block fraudulent information within four business days upon receiving an identity theft report. They failed to comply. 
Failure to Prevent the Reappearance of Fraudulent Data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Despite my disputes, fraudulent information continues to be reinserted into my reports without proper verification. 
Failure to Notify Me of Reinvestigation Results 15 U.S.C. 1681i ( a ) ( 6 ) The bureaus failed to provide me with written results of their reinvestigation and the reasons for their decision. 
Failure to Provide Identity Theft Protections 15 U.S.C. 1681g ( e ) The credit bureaus failed to properly mark my file as fraud-related, exposing me to further harm. 
Failure to Comply with Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 They failed to protect my financial data, allowing fraudulent accounts, addresses, and employer records to remain active. 
Violations of the Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The continued reporting of fraudulent accounts despite a police report facilitates criminal activity. 
Fraudulent Accounts to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Linked Fraudulently ) Fraudulent Employers to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to be Removed & Permanently Blocked ( Include all fraudulent credit inquiries appearing on your reportlet me know if you want me to add specific details here. ) Requested Relief & Enforcement Actions Due to the continued violations of FCRA, GLBA, and federal consumer protection laws, I demand the following immediate enforcement actions from the CFPB : Immediate and Permanent Removal of all fraudulent accounts, addresses, employers, and credit inquiries. 
Mandatory Investigation into the credit bureaus noncompliance with federal law.

Civil Penalties and Fines against Equifax, Experian, and TransUnion for their violations. 
A Written Confirmation from each bureau verifying the permanent deletion of all fraudulent information. 
Implementation of Stronger Identity Theft Safeguards to prevent unauthorized reinsertion of fraudulent data. 
Failure to comply will result in further legal action, including a federal lawsuit and additional complaints with the Federal Trade Commission ( FTC ), U.S. Attorney General 's Office, and State Consumer Protection Agencies. 

I expect a written response within 30 days, per CFPB and FCRA regulations. 

Sincerely,

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