Consumer complaint received 2025-09-25 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:
Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Personal Information To Whom It May Concern : This is a formal dispute regarding the personal information being reported on my TransUnion credit file. The information listed is false, inaccurate, and harmful, and it must be corrected immediately. 
1. Incorrect Names Reported Reported : XXXX XXXX XXXX XXXX Legal Name : XXXX XXXX  XXXX  XXXX Reporting false variations of my name violates FCRA 607 ( b ), which requires the credit bureau to maintain maximum possible accuracy.

2. Incorrect Employers Reported Reported : Select Speciality Medical Reported : XXXX Family Practice Correct Employment : XXXX Family Practice only I have never been employed at Select Speciality Medical. Reporting false employers is a direct violation of FCRA 607 ( b ). 
3. Incorrect Addresses Reported Reported : XXXX XXXX XXXX XXXX, XXXX, LA XXXX Reported : XXXX XXXX XXXX, XXXX, GA XXXX Correct Status : I am currently homeless and do not have a permanent address. 
Continuing to report incorrect or outdated addresses is inaccurate and misleading.

4. Identification Already Provided I have alread
y submitted two valid forms of identification my birth certificate and Social Security card verifying my true legal identity as XXXX XXXX  XXXX  XXXX. There is no justification for TransUnion to continue reporting false names, addresses, or employers. 

Demand : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I demand that TransUnion immediately : Delete all inaccurate names ( XXXX XXXX XXXX ). 
Delete all inaccurate employers ( XXXX XXXX XXXX ). 
Delete all false addresses listed. 
Update my file to reflect only my correct legal name and current employment. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and litigation under FCRA 616 & 617 for damages, attorneys fees, and statutory penalties.

This is your final notice. Govern yourselves accordingly. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Dispute of Unauthorized Hard Inquiries To Whom It May Concern : I am disputing the hard inquiries listed on my TransUnion credit file. These inquiries are unauthorized, inaccurate, and damaging. Specifically, the following companies have made inquiries without my consent : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX ( XXXX entries ) XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX These inquiries were not authorized by me and must be removed immediately. 

Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 ( a ) : Failure to delete unverifiable data upon dispute.

FDCPA 807 : Prohibits false representation of credit obligations, including unauthorized inquiries.

Demand : Delete all the above hard i
nquiries from my TransUnion file within 24 hours. Failure to comply will result in CFPB escalation and legal action for damages. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Dispute of Inaccurate Student Loan Reporting To Whom It May Concern : I am disputing the student loan accounts currently appearing on my TransUnion credit file. These accounts are being reported with serious inaccuracies : 1. Still in School Improper Reporting I am enrolled in college and my student loans are in in-school deferment. Reporting them as active, due, or delinquent is unlawful and misrepresents my financial status.

2. Incorrect Personal Identifiers These accounts are reported under false names and addresses ( XXXX XXXX, XXXX XXXX XXXX, and outdated XXXX addresses XXXX. My legal name is XXXX XXXX XXXX XXXX, which I have already verified with government-issued identification. 
3. Law Violations FCRA 607 ( b ) : Failure to maintain accurate credit data.

FCRA 611 ( a ) : Failure to delete unverifiable entries after dispute.

FCRA 609 ( a ) : Failure to provide proper source documentation.

FDCPA 807 : Misrepresentation of debt by reporting during deferment. Demand : Immediately delete these stu dent loan entries from my TransUnion credit report. Noncompliance will resul
t in CFPB escalation and civil action for damages under 15 U.S.C. 1681 & 1692. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Dispute of Inaccurate Late Payments XXXX To Whom It May Concern : This letter is a dispute of the late payments reported by XXXX on my TransUnion file. These entries are inaccurate, unverifiable, and must be deleted.

FCRA 607 ( b ) : Accuracy obligation violated.

FCRA 611 ( a ) : Requires deletion of disputed, unverifiable data.

FDCPA 807 : Prohibits misrepresentation of debt or payment history. 

XXXX has not provided any valid documentation to prove these late payments. 

Demand : Immediately delete all late payments reported by XXXX within 24 hours of receipt of this letter. Failure to comply will result in legal action. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Late Payments XXXX  XXXX To Whom It May Concern : I am formally disputing the late payments reported by XXXX  XXXX on my TransUnion credit file. These entries are inaccurate, unverifiable, and must be permanently deleted.

FCRA 607 ( b ) : Requires maximum possible accuracy which has not been met.

FCRA 611 ( a ) : Requires deletion of unverifiable information upon dispute.

FDCPA 807 : Prohibits false or misleading credit reporting.

Since proper validation was not provided, these late payments must be removed. 

Demand : Remove all late payments tied to XXXX XXXX within 24 hours or face legal consequences.

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