Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
This is a formal legal complaint and public record notice against TransUnion for continuous and willful violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681e ( b ), and 1681s-2 ( b ), as well as deceptive and abusive data practices. 

For years, I have disputed multiple accounts with TransUnion including but not limited to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX which were reporting inaccurately and no longer belonged on my credit report. XXXX conducted reinvestigations, contacted the furnishers directly, and permanently deleted these accounts from my XXXX  report, which confirms that no valid certification exists. 

In direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), TransUnion chose not to delete these unverifiable accounts but instead continued to update or verify the data after my disputes. Updating unverifiable or inaccurate data rather than deleting it violates federal law. The accounts should have been permanently deleted, as required by law.

To justify retaining these accounts, TransUnion fabricated address reporting dates, falsely stating that my current address was reported since XX/XX/XXXX. My own XXXX XXXX records from XXXX prove this address was not on file at that time. This manipulation of personal information was used to falsify verification outcomes. 

Furthermore, TransUnion engaged in collection laundering and account recycling by repeatedly re-reporting the same debts under different furnishers after prior disputes. This tactic is used to reset reporting timelines, avoid FCRA removal requirements, and falsely continue negative reporting in violation of Metro 2 standards. 

Even after multiple reinvestigations including their latest on XX/XX/XXXX TransUnion continues reporting these same derogatory accounts, while simultaneously sending letters claiming results will be mailed rather than addressing the core issue of why these accounts remain at all.

Key Violations Include : 15 U.S.C. 1681i ( a ) : Failure to conduct reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable data after dispute 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) : Failure to properly respond to furnisher notification Data laundering and re-aging via account recycling to evade lawful deletion Backend identity and address manipulation to falsify certification eligibility Willful deception in communications with both consumer and regulators I have fully cooperated, submitted proper documentation, and provided ample time for TransUnion to comply with federal law. Instead, TransUnion has willfully engaged in manipulation, non-transparent dispute handling, and suppression tactics to delay and obstruct full deletion of unlawful reporting. 

This complaint is now being made public and simultaneously submitted to the : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney Generals Office ( Hand Delivered ) Additional federal agencies as necessary I am demanding permanent deletion of all remaining negative data, full correction of my personal identity file, and immediate regulatory investigation into TransUnions pattern of willful non-compliance. 

TransUnion is not cooperating after multiple disputes and multiple regulatory complaints. They have broken federal law by fabricating backend address reporting dates, manipulating my personal identity fields, illegally verifying accounts under false names, and laundering debt across multiple furnishers to extend reporting timelines. 

These violations are not simple credit reporting errors. They involve : Identity file contamination Collection recycling and account laundering Backend name manipulation False address reporting dates Illegal certification of unverifiable accounts My legal name was not even present on their file in XXXX when these verifications occurred. They have since attached unverifiable accounts to my legal name years later in an effort to conceal illegal reinvestigations. 

I have already escalated this matter to the CFPB. Since TransUnion refuses to correct these unlawful actions, I am now submitting this complaint to the XXXX XXXX XXXX XXXX XXXX XXXX, the State Attorney General, and preserving all other evidence for federal enforcement escalation if necessary.

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