Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am filing another formal complaint against Experian and TransUnion for their ongoing failure to accurately report my credit information, despite my repeated disputes over the years. Their refusal to comply with federal law is now severely affecting both my personal and professional life. 

Summary of Issues Inaccurate Accounts Still Reporting : Despite numerous disputes and requests for verification, Experian and TransUnion continue to report inaccurate, outdated, and unverifiable information, including derogatory accounts that have already been deleted from XXXX  which now shows my score as XXXX. Plus XXXX stated that they even informed Transunion & Experian of my identity theft. These items are unverified and obsolete, yet they remain on my report a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Failure to Reflect My True Creditworthiness : Because of these inaccuracies, my credit score is not an accurate reflection of my current creditworthiness, which has blocked me from obtaining : Vehicle financing ( which is an urgent necessity ), and essential business funding for my digital marketing agency, XXXX XXXX XXXX XXXX. 

Inflated Debt-to-Income Ratio Due to Student Loan Errors : Both Experian and TransUnion are reporting student loans inaccurately, falsely inflating my debt-to-income ratio, which misrepresents my actual financial situation and increases my risk profile in the eyes of lenders another violation of FCRAs accuracy obligations. 

Data Breach Victim : I am also a victim of the recent Experian and TransUnion data breaches, and I believe this has further compromised the integrity of my credit report and the accuracy of personal information being reported about me. 

Wrong Address & Employment Information : My only correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX My only employers should be : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX legal name is : XXXX XXXX XXXX Yet both bureaus continue to report old or inaccurate personal information, despite formal disputes filed in accordance with the FCRA. 

Legal Violations : Experian and TransUnion are in direct violation of the following sections of the Fair Credit Reporting Act : 1681i Failure to conduct reasonable reinvestigation of disputed information 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 1681c Continued reporting of obsolete information ( older than 7 years ) 1681c-2 Refusal to block or delete inaccurate data after being notified by the consumer These violations have caused financial harm, emotional stress, and have prevented me from securing reliable transportation and adequate business credit opportunities.

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