Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The XXXX Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section XXXX of the FCRA, XXXX XXXX. XXXX. State law XXXX impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and XXXX want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the XXXX XXXX XXXX XXXX XXXX website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the XXXX Code is at the end of this document. 
Section XXXX imposes the following duties : XXXX XXXX The banking and XXXX XXXX regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section XXXX ( XXXX ). 
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers XXXX write to notify the furnisher that certain information is inaccurate. Sections XXXX ( a ) ( XXXX ) ( A ) and ( a ) ( XXXX ) ( C ). 
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section XXXX ( a ) ( XXXX ). 
Duties After Notice of Dispute from XXXX If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( a ) ( XXXX ) ( B ). 
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher XXXX not subsequently report that information to a CRA without providing notice of the dispute. Section XXXX ( a ) ( XXXX ). 
The federal banking and XXXX XXXX regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within XXXX  days ( or XXXX days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at XXXX. Section XXXX ( a ) ( XXXX ). 
Duties After Notice of Dispute from XXXX XXXX XXXX If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : XXXX an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections XXXX ( b ) ( XXXX ) ( A ) and ( b ) ( XXXX ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections XXXX ( b ) ( XXXX ) ( C ) and ( b ) ( XXXX ) ( D ). 
Complete the above steps within XXXX days from the date the CRA receives the dispute ( or XXXX days, if the consumer later provides relevant additional information to the CRA ). Section XXXX ( b ) ( XXXX ). 
Promptly modify or delete the information, or block its reporting. Section XXXX ( b ) ( XXXX ) ( XXXX ). 
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a XXXX  account, any person who regularly and in the ordinary course of business furnishes information to XXXX or more CRAs must report this fact when it provides information to XXXX for the time period in which the account was closed. Section XXXX ( a ) ( XXXX ). 
Duty to Report Dates of XXXX If a furnisher reports information concerning a dXXXX  account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within XXXX XXXXays after reporting the information, provide the CRA with the month and the year of the commencement of the XXXX that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section XXXX ( a ) ( XXXX ). 
Any person, such as a debt collector, that has acquired or is responsible for collecting XXXX  accounts and that reports information to CRAs XXXX comply with the requirements of Section XXXX ( a ) ( XXXX ) ( until there is a consumer dispute ) by reporting the same XXXX date previously reported by the creditor. If the creditor did not report this date, they XXXX comply with the FCRA by establishing reasonable procedures to obtain and report XXXX  dates, or, if a XXXX  date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section XXXX ( a ) ( XXXX ). 
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section XXXX ( p ), must notify consumers in writing if they XXXX furnish or have furnished negative information to a CRA. 
Section XXXX ( a ) ( XXXX ). The Consumer Financial Protection Bureau has prescribed model disclosures, XXXX CFR Part XXXX, App. B. 
Duties When Furnishing Medical Information A furnisher whose primary business is providing XXXX XXXX, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section XXXX ( a ) ( XXXX ). This notice will enable CRAs to comply with their duties under Section XXXX ( g ) when reporting medical information. 
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher XXXX not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section XXXX ( a ) ( XXXX ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section XXXX ( a ) ( XXXX ). When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher XXXX not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f

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