Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am filing this complaint because all three nationwide consumer reporting agencies are knowingly and willfully violating my rights under federal law. Despite multiple disputes, supporting FTC reports, and identity theft affidavits, they continue to report false names, false addresses, and fraudulent inquiries tied to my compromised personal data from the Equifax breach. Their conduct is not just negligent it is reckless and unlawful. 

Identity Theft and Fraudulent Reporting I am a confirmed victim of the Equifax data breach. My nonpublic personal data was compromised and later used to create fraudulent identifiers and inquiries. My FTC Identity Theft Report ( FTC Report No. XXXX ) lists unauthorized inquiries from XXXX XXXX ( XX/XX/year> ), XXXX Card ( XX/XX/year>, XX/XX/year> ), and XXXX XXXX  ( XX/XX/year> ). Despite proper notice, these inquiries remain. 

In addition, the bureaus continue to report false identifiers : Wrong names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX addresses : XXXX XXXX XXXX, XXXX, CA and XXXX XXXX XXXX, XXXX, CA Direct Violations of Law 15 USC 1681c-2 : CRAs must block identity theft data within 4 business days of proper notice. They received my FTC report and government-issued ID yet continue to publish fraudulent identifiers and inquiries.

15 USC 1681e ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting names and addresses I have never used is blatant noncompliance.

15 USC 1681i ( a ) : CRAs must reinvestigate and delete unverifiable data. They were put on notice but chose to ignore the law.

15 USC 1681g ( a ) ( 1 ) : File disclosures must reflect only accurate identifiers. Their disclosures knowingly contain false data.

15 USC 1681n and 1681o : Their conduct is willful and negligent, exposing them to statutory, actual, and punitive damages.

Pattern of Abuse and Consumer Harm The bureaus are acting in bad faith by refusing to remove clearly fraudulent data despite full documentation. Their actions materially damage my FICO scores, impair my ability to obtain credit, and expose me to further identity theft risk. Continued reporting of known false information is not an error it is systemic misconduct. 

Relief Requested I demand that the CFPB compel Equifax, Experian, and TransUnion to : Permanently delete all fraudulent inquiries tied to the identity theft event ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ). 

Permanently delete all false names and addresses, including XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Issue a corrected disclosure confirming deletions. 

Provide proof of reinvestigation procedures to demonstrate compliance with 1681i. 

If they fail, I request the CFPB escalate enforcement, including civil penalties, and refer this matter to the FTC and State Attorneys General for further action.

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