Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Equifax Experian TransUnion Subject : Personal Information Dispute Under FCRA Request for Immediate Correction and Deletion of Inaccurate Data Dear Credit Bureau Representative, I am formally disputing the accuracy and completeness of the personal identifying information listed on my credit file. This dispute is being submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants consumers the right to dispute any inaccurate or incomplete information on their credit report. 

Upon reviewing my credit file, I have identified multiple incorrect names, Social Security number variations, dates of birth, addresses, and employers that are not associated with me. The continued reporting of these inaccurate personal identifiers presents a serious risk of identity confusion, fraud, and misattribution of credit dataall violations of your obligation to report with maximum possible accuracy under FCRA 1681e ( b ). 

Requested Corrections : Correct Name : Keep : XXXX XXXX Remove all other names, aliases, or variations. 

Correct Date of Birth : Keep : XX/XX/XXXX Remove any incorrect DOBs. 

Correct Social Security Number ( Last Four ) : Keep : XXXX Remove any SSN variations that do not match. 

Correct Employer : Keep : XXXX XXXX XXXX XXXX XXXX XXXX Remove all other employers not associated with me. 

Correct Address : Keep : XXXX XXXX XXXX XXXX XXXX XXXX Remove all other past or unverified addresses. 

Keep : XXXX Remove all other email addresses. 
Keep : ( XXXX ) XXXX Remove all other phone numbers not associated with me. 

Legal Basis for Dispute : FCRA 1681e ( b ) : Requires that credit bureaus maintain and report consumer data with " maximum possible accuracy. '' FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable reinvestigation upon receiving notice of a dispute. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that credit bureaus must go beyond parroting inaccurate information and conduct independent verification. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Clarified that technically accurate but misleading information still violates the FCRA. 

Requested Action : If you verify any of the disputed personal information as accurate, I formally request the Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Please provide the following within 15 days of the conclusion of your reinvestigation : - A detailed description of the method used to verify the disputed personal information - The name and contact information of the entity that verified the data - Copies of any documentation or records used in the verification process - If the disputed personal data can not be fully verified with supporting evidence, it must be corrected or deleted in accordance with the FCRA. 
- Immediately remove or correct all inaccurate or inconsistent personal identifiers listed above. 
- Update my file to reflect only the correct, verified information. 
Provide written confirmation of the changes made within 30 days, as required by law. 

Please consider this notice a formal dispute. If this information can not be verified with supporting documentation, it must be deleted immediately. 

Thank you for your prompt attention to this matter. 

Enclosed Is a copy of my state id for proof of identity bank statement for proof of address screenshot for inaccuracy reporting paystub for proof of employment Sincerely, 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