Consumer complaint received 2025-04-23 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:
Complaint Summary : On or around XX/XX/XXXX, I submitted certified dispute letters to TransUnion, Experian, and Equifax disputing several inaccurate, unverifiable, outdated, or re-aged derogatory accounts listed on my credit profile. 

As of todaymore than 30 days laterTransUnion has failed to properly investigate or remove these items as required under the Fair Credit Reporting Act ( FCRA 611 ). Instead of correcting the inaccuracies, TransUnion has allowed additional reporting violations to occur. My XX/XX/XXXX credit report reveals the following : Problematic Reporting by TransUnion : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balances : {$2900.00}, {$1900.00}, {$1000.00}, {$940.00}, {$880.00}, {$560.00} These are duplicate tradelines split from XXXX original debt and appear with re-aged dates on Equifax, though TransUnion is not reporting them. 
This inconsistency highlights TransUnions failure to investigate or maintain accuracy in cross-bureau reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX This account has been re-aged to appear newly charged off, violating FCRA regulations. 
Still reporting as negative across all three bureaus, including TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A new derogatory account added in XXXX that was not present in XXXX, indicating potential improper insertion during or after an open investigation. 
While not currently reporting on TransUnion, this further demonstrates a lack of procedural integrity in the dispute process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inconsistently across bureaus with irregular date and balance data. 
TransUnion is actively reporting this item. 
XXXX. Unverified and Inaccurate Accounts Still Reporting Despite my formal disputes, the following accounts have not been verified within the required XXXX period and remain on file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations Committed by TransUnion : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or unvalidated items FCRA 607 ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA 623 ( a ) ( 2 ) ( A ) : Permitting furnishers to re-age accounts during an open investigation FCRA 623 ( b ) ( 1 ) ( D ) : Allowing updates or insertion of negative items while accounts were under formal dispute Resolution Requested : Immediate deletion of all XXXX XXXX XXXXXXXX entries as duplicate and re-aged Permanent removal of XXXX XXXX and XXXX  accounts due to illegal re-aging and false date activity Deletion of all accounts not verified within 30 days, as required under FCRA 611 ( a ) ( 5 ) ( A ) Written confirmation that no previously disputed or deleted tradelines will be reinserted without full compliance with 611 ( a ) ( 5 ) ( B ) A corrected copy of my credit report reflecting these deletions and confirmation of TransUnions full compliance with the FCRA If not resolved promptly, I will pursue damages under FCRA XXXX XXXX and escalate to the Federal Trade Commission and State Attorney General Supporting Evidence Provided : Copies of the original dispute letter sent via certified mail Screenshots confirming delivery and receipt exceeding the XXXX investigation window Before-and-after credit reports demonstrating unauthorized changes or unresolved accounts Copies of my government-issued ID and Social Security card for verification Consumer Information : Name : 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

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