Consumer complaint received 2025-07-10 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:
I, XXXX XXXX, formally request the Consumer Financial Protection Bureau ( CFPB ) to take immediate enforcement action against TransUnion LLC for repeated and willful violations of federal and state consumer protection laws. TransUnion has unlawfully reported fraudulent accounts, unauthorized inquiries, inaccurate personal information, and has continuously disregarded statutory obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Metro 2 Compliance Standards , and Florida Consumer Protection laws .

Summary of Violations and Applicable Law Codes : Failure to Notify ( 15 U.S.C. 1692g ( a ) ) : TransUnion failed to ensure creditors provided mandatory validation notices within five days of reporting debts.

Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) : TransUnion reported mismatched account numbers, inconsistent balances, and unverifiable data, breaching its obligation to report accurate information.

Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : TransUnion neglected its mandatory duty to perform timely investigations into multiple disputes filed regarding fraudulent information.

Failure to Reinvestigate ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : TransUnion failed to conduct proper reinvestigations despite my disputes on prior inaccurate investigative outcomes.

Failure to Validate Debt ( 15 U.S.C. 1692g ( b ) ) : Continued reporting occurred without debt validation following my formal dispute.

Failure to Disclose ( 15 U.S.C. 1681g ) : TransUnion failed to provide requested documentation verifying disputed information.

Improper Reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Previously deleted or suppressed items were unlawfully reinserted without required certification or notification.

Privacy Violations ( 15 U.S.C. 6801 ( b ), 6802 ( a ) ) : Under GLBA, TransUnion failed to adequately protect consumer financial information.

Ignored Identity Theft Protections ( 15 U.S.C. 1681g ( e ) ) : TransUnion disregarded its obligation to offer mandated protections for victims of identity theft.

Metro 2 Compliance Violations : Incorrect account numbers Conflicting payment histories Invalid statuses and unverified balances Florida State Law Violations ( Florida Deceptive and Unfair Trade Practices Act - FDUTPA ) : Fla. Stat. 501.204 ( 1 ) : Reporting unverifiable or fraudulent data Fla. Stat. 501.203 ( 3 ) ( c ) : Misrepresentation of account legitimacy Fla. Stat. 501.976 ( 11 ) : Refusal to correct known fraudulent reporting after consumer notification Specific Disputed Account : XXXX XXXX  ( No Account Number Provided ) Violations include FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ), FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d, GLBA 6801 ( b ), 6802 ( a ), Metro 2 format violations, and FDUTPA 501.204 ( 1 ), 501.203 ( 3 ) ( c ), 501.976 ( 11 ).

Additional Fraudulent Inquiries and Inaccurate Information : XXXX XXXX  Unauthorized Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer Reporting : XXXX Legal Demands for Enforcement by CFPB : Immediate removal and permanent blocking of disputed accounts, inquiries, addresses, and employment data. 

Written confirmation of removals and provision of updated credit reports. 

Implementation of mandatory fraud alerts pursuant to 15 U.S.C. 1681g ( e ).

Written results of investigations, including the verification method and documentation used.

Prevention of any future unlawful reinsertion of deleted items per FCRA 1681i ( a ) ( 5 ) ( B ).

Failure to enforce compliance will necessitate further legal action and potential litigation for statutory damages under 15 U.S.C. 1681n and 1681o. 

Respectfully, 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 explanation