Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
This is my final follow-up complaint against TransUnion and Experian before I escalate this matter to the Attorney General and pursue legal enforcement under the Fair Credit Reporting Act ( FCRA ). 

I initially filed disputes with all three credit bureaus TransUnion first, followed by Experian and XXXX. XXXX  completed its investigation, contacted the furnishers, confirmed the accounts could not be verified, and permanently deleted every disputed item from my file. TransUnion and Experian, however, continue to report those same exact accounts, all of which were tied to inaccurate names and a false address that have since been deleted. 

Mixed File Identity Proven and Deleted The disputed accounts were linked to a mixed file under the name XXXX XXXX and the address XXXX XXXX XXXX. Both identifiers were removed in XX/XX/. Still, Experian and TransUnion continue to report accounts previously tied to those names. That violates : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to reasonably reinvestigate 15 U.S.C. 1681n : Willful noncompliance 15 U.S.C. 1681o : Negligence in maintaining accurate files TransUnion Verified Using a Deleted Identity On XX/XX/, TransUnion sent me a letter stating that the XXXX XXXX account was verified as accurate on the same day they updated my name to the correct legal identity, XXXX XXXX XXXX. 
This proves the verification was based on a name they had already deleted, and it confirms no proper reinvestigation occurred using my actual file. 

Blocking Full Disputes One at a Time Only TransUnion also restricted my ability to dispute multiple accounts by limiting me to only one dispute at a time on the XXXX XXXX platform, as shown in my attached screenshot. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Consumers have the right to dispute any and all inaccurate items at once. Limiting disputes is a deliberate tactic to delay resolution and protect furnishers. 

Suspicious XXXX XXXX Reporting XX/XX/2025 On XX/XX/2025, TransUnion reported a newly updated account from XXXX XXXX, showing a balance of {$8100.00} listed as closed. This was reported after my file was corrected. 
If this account was tied to the previously deleted name or address, then this was an illegal reinsertion under 1681i ( a ) ( 5 ) ( B ), as I received no written notice and TransUnion provided no certification of accuracy from the furnisher.

XXXX  Has Officially Confirmed Deletions in Writing Most importantly, XXXX  responded to my CFPB complaint confirming that all of the disputed accounts were deleted after contacting the furnishers including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  They also stated : The disputed item is not currently reporting on the XXXX  XXXX file. 

This proves that TransUnion and Experian are now knowingly reporting unverifiable data that another bureau already removed after a completed investigation. They have no legal basis to continue reporting these accounts. 

Attachments Provided : XXXX XXXX Clean XXXX  report ( all disputed accounts removed ) XXXX XXXX  Screenshot of XXXX account still on Experian XXXX XXXX XX/XX/XXXX Experian denial of deletion XXXX XXXX XXXXXXXX marketing offer from Experian during dispute XXXX XXXX Timeline proving TransUnion was contacted first XXXX XXXX XXXXXXXX XXXX screenshot showing one dispute at a time XXXX XXXX Screenshots of deleted false names vs. corrected name XXXX XXXX TransUnions XX/XX/XXXX verification letter of XXXX XXXXXXXX XXXX XXXX  XXXX CFPB response confirming all deletions XXXX XXXX  Screenshot of XXXX  XXXX reported on XX/XX/XXXX XXXX

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