Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I lawfully disputed inaccurate personal information, old addresses, and unverifiable account data with TransUnion. I submitted full legal identification ( government-issued ID and SSN card ) in accordance with FCR

A 609 ( a ) and requested correction or deletion under 611 ( a ). Despite this, TransUnion failed to correct or remove multiple inaccurate a
nd unverifiable entries. They continue to report incorrect personal names such as " XXXX XXXX XXXX, '' outdated addresses like " XXXX XXXX XXXX, XXXX CA, '' and an account with the false collector name XXXX instead of the verified XXXX XXXX XXXX XXXX. 

Additionally, TransUnion continues to report a closed and repossessed auto loan from XXXX with a {$13000.00} balance and conflicting activity dates. The repossession status, closure date, and payment history differ from other bureaus and are unverifiable. These errors appeared on multiple TransUnion credit reports including those dated XX/XX/XXXX and XX/XX/XXXX. 

This is a violation of FCRA 607 ( b ) ( duty to maintain maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate disputed information ). 

I demand full deletion of all inaccurate, unverifiable, and conflicting information, including all incorrect personal data and accounts that were not properly verified by TransUnion. 

" No weapon formed against me shall prosper. '' XXXX XXXX " Let justice roll on like a river, righteousness like a never-failing stream. '' XXXX XXXX Despite my dispute, TransUnion failed to correct the following : Inaccurate names : Only XXXX XXXX XXXX is my legal name. Other variations including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX are incorrect and must be deleted. 

Old addresses : XXXX XXXX XXXX, XXXX CA and others do not reflect my current residence and are no longer authorized to be listed. 

Employer data : Any reported employer other than my current verified employment is unauthorized and should be removed. 

No credit score : Despite my open tradelines and activity, TransUnion failed to generate a valid XXXX XXXX, which is further evidence of data suppression or reporting error. 

Inaccuracies & Violations ( TransUnion ) XXXX XXXX  Account Marked " Repossession, '' conflicting with XXXX  reporting, status marked as " Closed. '' Last activity date conflicts ( TransUnion : XX/XX/XXXX ). 


No furnisher address provided. 


Consumer disputes inaccurately marked as " resolved. '' XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Reported as " XXXX '' ( incorrect entity name ). 


Different account number ( XXXX ) than XXXX 


Open status conflicting with XXXX report ( closed ). 


3. Personal Information Incorrect names and outdated addresses persist despite verification. 


Legal Violations : FCRA 607 ( b ) : Accuracy in reporting.

FCRA 611 ( a ) : Reinvestigation upon dispute.

FCRA 609 ( a ) : Validation of reported debts.

FDCPA 807 ( 14 ) : Misleading entity name. 


TransUnion previously violated consumer rights ( XXXX v. TransUnion ). 

Personal Information Violations ( TransUnion ) : Incorrect Names : " XXXX XXXX XXXX, '' " XXXX XXXX '' ( Correct : " XXXX XXXX XXXX '' ) Incorrect Addresses : XXXX XXXX XXXX, XXXX CA ( reported since XX/XX/XXXX ) Unauthorized Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX ( unverified, unauthorized ) Violation : FCRA 607 ( b ), 611 ( a ), 609 ( a ). 
Account Inaccuracies ( TransUnion ) : XXXX ( formerly XXXX ) : Reported inaccurately as " Repossession, '' conflicting closure ( XX/XX/XXXX ), incorrect payment history, balance inconsistencies ( {$13000.00} ), remarks " Completed investigation of FCRA disputeconsumer disagreed. '' XXXXXXXX XXXX XXXXXXXX XXXX : Incorrect account number ( XXXX ), conflicting status ( Collection ), incorrect " Placed for collection '' remarks, address discrepancies. 


Violation : FCRA 607 ( b ), 611 ( a ), 609 ( a ), FDCPA 807 ( 2 ), 807 ( 14 ). 
History of violations : XXXX v. TransUnion. 
Declaration & Demand ( TransUnion ) : By the authority of God and law, immediate deletion demanded for all inaccuracies.

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