Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( Experian + TransUnion Systemic Noncompliance and Legal Obstruction ) I am filing this complaint against Experian and TransUnion for ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and for engaging in what can only be described as systemic obstruction, inhumane handling of consumer rights, and deliberate noncompliance with federal law.

This case concerns the reporting of false late payments on two open accounts : XXXXXXXX XXXX  Account ending in XXXX XXXX XXXX Account ending in XXXX After more than two years of unsuccessful disputes and certified letters, I exercised my full legal rights by filing an FTC Identity Theft Report on XX/XX/XXXX ( FTC Report Number : XXXX ) and submitting a formal request under FCRA XXXX, which requires credit reporting agencies to block or correct inaccurate, unauthorized information within 4 business days of receipt. 



XXXX Has Already Corrected the Records Importantly, XXXX has fully investigated and removed the false late payments, validating that the information furnished was inaccurate, unverified, and unlawfully reported.

Experian and TransUnion now have no legal, factual, or ethical basis to continue reporting the same false information yet both continue to willfully ignore federal law.

Experians Violations Include : Blocking me from uploading documents via their own portal ( 404 error, screenshot attached ) Emailing instructions to call, yet disconnecting my calls after ZIP code entry ( over 10 attempts, call logs attached ) Requiring resubmission of ID and proof of address after I had already sent them Blocking access to my dispute results online Providing no live support, escalation path, or acknowledgment of legal obligations under 605B TransUnions Violations Include : On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX in the Special Handling Department.

I gave my FTC report number and explicitly invoked my rights under FCRA 605B. 
I was told the matter would be escalated to a supervisor. 
No written confirmation, no update, and no correction has occurred. 

They were legally notified on XX/XX/XXXX, and the 4-business-day window for correction is now active. They are already in breach if no correction is made by the deadline.

This Is Not a Dispute. This Is a Legal Filing Under Federal Law.

I am not disputing ownership of these accounts. I am disputing false, damaging late payment data that was not legally reported, not properly verified, and now proven to be invalid by XXXX. 

Experian and XXXX refusal to comply with federal timelines, combined with their inaccessibility and disregard for legal documentation, constitutes : FCRA 605B violation ( Failure to block unauthorized information ) FCRA 1681i ( Failure to conduct a reasonable reinvestigation ) FCRA 616 & 617 ( Willful and negligent noncompliance ) This Is Systemic Abuse of Power and Human Dignity It is inhumane for billion-dollar companies to trap everyday people in endless disputes, block access to systems designed to protect us, and leave our credit, stability, and dignity in limbo for years.

I have followed every legal step.

I have submitted every document repeatedly.

I have exhausted every channel.

And I will now take this public.

I am publishing this case to protect others, raise awareness, and escalate this to congressional and media attention if necessary.

I Am Demanding : 1. Immediate removal or correction of the false late payments 2. Formal, written acknowledgment of my FTC Identity Theft Report under 605B 3. A CFPB-led investigation into Experian and TransUnions dispute handling practices, identity theft obstruction, and consumer harm Submitted Documentation Includes : FTC Identity Theft Report ( filed XX/XX/XXXX ) Government-issued ID Proof of current address Screenshot of Experians broken upload portal ( 404 error ) Screenshot of dispute results being blocked Screenshot of Experians email instructing me to call Call log proving 10+ failed attempts Confirmation that XXXX has already corrected the data This is not just about credit this is about legal rights, human dignity, and the duty of federal agencies to protect consumers from corporate abuse.

I expect full resolution and enforcement. 
And I will not stop until accountability is served.

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