Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
XXXX Complaint Subject : Violations of FCRA, Denial of Credit Report Access, and Deletion of Errors Admitting Wrongdoing Details of the Issue : XXXX has demonstrated negligence and repeated violations of the Fair Credit Reporting Act ( FCRA ), which has caused harm to my financial standing and reputation. Notably, XXXX has deleted certain inaccuracies from my credit report following disputes, which implicitly acknowledges the errors in their reporting. However, this action is incomplete, as other inaccuracies and unauthorized activities persist. 

Specific Violations : Denial of Credit Report Access : XXXX has denied me access to my credit report despite providing valid identification ( utility bill, drivers license, and Social Security card ), violating FCRA 609 ( a ). 
Unauthorized Inquiries : Multiple unauthorized inquiries remain on my credit report, including those by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and others, violating FCRA 1681b, which restricts access to consumer reports for permissible purposes.

Inaccurate Public Records : XXXX continues to report a dismissed bankruptcy ( Case # XXXX ). A dismissed bankruptcy provides no debt relief and its reporting is inaccurate and harmful. 
Deletion of Previously Disputed Errors : XXXX has deleted errors after disputes, effectively admitting their reporting inaccuracies. However, they have failed to notify me of these corrections or adequately address other inaccuracies still present, violating FCRA 611 ( a ) and 1681e ( b ).

Placement of Overly Restrictive Fraud Alert : XXXX placed an intensive fraud alert on my credit profile without my consent, preventing businesses from extending credit to me. This is an excessive action that restricts my credit access unjustly. 
Harm Caused : Financial Harm : Denial of credit opportunities, increased interest rates, and difficulty securing financial products. 
Reputational Damage : Inaccurate reporting and unauthorized activity have harmed my financial reputation. 
Emotional Distress : Prolonged issues and failure to resolve disputes have caused significant stress and anxiety. 
TransUnion Complaint Subject : Violations of FCRA, Denial of Access to Credit Report, and Admission of Errors by Deleting Inaccuracies Details of the Issue : TransUnion has also violated the Fair Credit Reporting Act ( FCRA ) by failing to address inaccuracies and denying me access to my credit report. They have deleted errors after disputes, acknowledging inaccuracies, yet continue to report other false and harmful information. 

Specific Violations : Denial of Credit Report Access : TransUnion denied me access to my credit report, citing invalid identification despite providing valid and up-to-date documents. This violates FCRA 609 ( a ).

Inaccurate Public Records : TransUnion is inaccurately reporting a dismissed bankruptcy ( Case # XXXX ), which should not be included in my credit report as it provides no debt relief. 
Failure to Reinvestigate Disputes : TransUnion failed to provide verification for several accounts I disputed, including XXXX XXXX XXXX, XXXX XXXX XXXX, and others, violating FCRA 611 ( a ). 
Deletion of Errors Admitting Fault : TransUnion has removed certain inaccuracies following disputes, an implicit admission of their wrongdoing. However, they have failed to address remaining errors or communicate the corrections properly. 
Harm Caused : Financial Harm : Denial of credit opportunities, increased interest rates, and other financial losses. 
Reputational Damage : Persistent inaccuracies and unauthorized activities harm my financial reputation. 
Emotional Distress : Failure to resolve disputes and denial of access to my report have caused undue stress and frustration.

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