Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX [ Your Name : XXXX XXXX XXXX XXXX Your Address : XXXX XXXX XXXX ] [ XXXX, XXXX XXXX XXXXXXXX XXXX [ Date : XX/XX/XXXX ] Re : Complaint Against TransUnion LLC for Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate and Remove Fraudulent and Inaccurate Information from Credit Report Dear CFPB Complaint Intake Team : I am filing this formal complaint against TransUnion LLC ( TransUnion ) XXXX a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). As detailed below, TransUnion has failed to maintain accurate information on my credit report, conduct reasonable investigations into my disputes, and remove fraudulent and unverifiable items. This has caused significant harm to my credit score, financial opportunities, and overall well-being. I believe these issues stem from identity theft or reporting errors, and TransUnion 's inaction exacerbates the problem. 
On XX/XX/XXXX, I sent a certified dispute letter to TransUnion ( Consumer Dispute Center, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) identifying inaccurate personal information, fraudulent hard inquiries, and unauthorized accounts on my credit report. A copy of that letter is attached for your reference. Despite the FCRA 's requirement for a reasonable investigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), I have not received any response, updated report, or confirmation of deletions as of today 's dateexactly 30 days later. This delay and potential non-compliance violate TransUnion 's obligations under the FCRA to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), delete unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ), and block fraud-related items ( 15 U.S.C. 1681c-2 ). Furthermore, furnishers of information ( e.g., creditors listed below ) have not fulfilled their duties to investigate and correct errors ( 15 U.S.C. 1681s-2 ). 
These violations are particularly concerning in light of the CFPB 's recent action against TransUnion for illegal rental background check and credit reporting practices, which highlights failures in ensuring accuracy and proper handling of consumer disputes. TransUnion 's practices, as outlined in the action, appear to directly mirror my experience, including inadequate intake, processing, and notification of disputes. 
Description of Inaccurate and Fraudulent Items The following items on my TransUnion credit report are inaccurate, unverifiable, or fraudulent. I request that the CFPB investigate TransUnion 's handling of these disputes and compel the immediate removal of these items under the cited FCRA provisions, as well as Law 605B ( requiring elimination of fraudulent accounts ). Where applicable, Uniform Commercial Code ( UCC ) provisions, such as 1-304 ( good faith in commercial dealings ) and Article 9 ( 9-210, verification of secured obligations ), further support the need for verification and deletion if these stem from invalid contracts or fraud. 
Inaccurate Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address is not associated with me and is erroneous or fraudulent. Violates 15 U.S.C. 1681e ( b ) for lack of accuracy ; must be investigated and deleted if unverifiable ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) ). Block if identity theft-related ( 15 U.S.C. 1681c-2 ). 
Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect and not mine. Same violations as above. 

Fraudulent Hard Inquiries These unauthorized inquiries lower my credit score and indicate potential fraud. Each must be investigated within 30 days and removed if unverifiable or fraudulent. Outdated inquiries ( over 2 years ) are obsolete ( 15 U.S.C. 1681c ( a ) ( 4 ) ). UCC 1-304 applies if from invalid commercial dealings. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts These accounts are not mine, impact my credit utilization and payment history, and must be blocked as fraudulent ( 15 U.S.C. 1681c-2 ). UCC 9-210 requires verification of any secured interests. 
XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXXXXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harm Caused and Requested Relief These errors have prevented me from obtaining credit, increased my interest rates, and caused emotional distress. I have enclosed proof of identity ( e.g., SSN last four digits : XXXX, DOB : XX/XX/XXXX ), a copy of my dispute letter to TransUnion, and an FTC Identity Theft Affidavit ( if applicable ). 
I request that the CFPB : Investigate TransUnion 's compliance with the FCRA and compel the removal of all listed items. 
Impose appropriate penalties on TransUnion for these violations ( 15 U.S.C. 1681n or 1681o * for willful or negligent non-compliance ). 
Provide me with an updated credit report confirming deletions. 
Escalate this matter in connection with the ongoing actions against TransUnion. 

Thank you for your prompt attention. I look forward to your assistance in resolving this matter. Please contact me at the above address or [ your phone/email ] for any additional information. 
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