Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I am filing this follow-up complaint regarding TransUnion 's inadequate response to my previous CFPB complaint ( # XXXX ) concerning the XXXX XXXX XXXX. account ( XXXX ) on my credit report. 

On XX/XX/XXXX, TransUnion responded to my initial CFPB complaint by stating they had " VERIFIED AS REPORTED '' the disputed Credit First account. This response demonstrates a failure to properly investigate and address the conclusive evidence I provided showing that this information can not possibly be accurate. 

The evidence I provided in my original complaint from my XX/XX/XXXX credit report clearly show : The account opening date is reported as XX/XX/XXXX on TransUnion but as XX/XX/XXXX on XXXX 

It is logically impossible for an account to be opened on two different dates, which proves this information can not be verified as accurate. 

Additional contradictions across bureaus that further demonstrate the unverifiable nature of this information : High Credit : {$5200.00} on TransUnion vs. {$0.00} on XXXX Last Active Date : XX/XX/XXXX on TransUnion vs. XX/XX/XXXX on Experian vs. XX/XX/XXXX on Equifax Different comment sections across all three bureaus Due to these significant contradictions indicating potential identity fraud, I filed a formal identity theft complaint with the Federal Trade Commission ( FTC ) and submitted this FTC Identity Theft Report directly to TransUnion. Despite receiving this official identity theft report, TransUnion has failed to comply with Section 605B of the FCRA [ 15 U.S.C. 1681c-2 ], which requires them to block information resulting from identity theft within 4 business days of receiving an identity theft report.

The initial information for this account reported for over a year was vastly inaccurate and contained contradictions that make it impossible for this account to legitimately belong to me. Yet TransUnion has not only failed to block this information within the required 4-day timeframe but has actually claimed they " verified '' information that contains fundamental logical impossibilities.

TransUnion 's actions represent willful non-compliance with multiple sections of the FCRA : Violation of Section 611 [ 15 U.S.C. 1681i ] by failing to conduct a reasonable investigation and continuing to report information that demonstrably can not be accurate Violation of Section 605B [ 15 U.S.C. 1681c-2 ] by failing to block disputed information within 4 business days after receiving my FTC Identity Theft Report Continued unlawful reporting of disputed information that can not be verified as accurate Providing a perfunctory response to a regulatory complaint that does not address the specific evidence presented This pattern of non-compliance despite receiving both a CFPB complaint and an FTC Identity Theft Report demonstrates TransUnion 's disregard for their legal obligations and consumer protection laws.

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