Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : FORMAL COMPLAINT AGAINST TRANSUNION LLC - MULTIPLE FCRA VIOLATIONS AND WILLFUL NON-COMPLIANCE Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against TransUnion LLC for egregious and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX et seq., and for their blatant disregard of consumer protection laws that have persisted for over XXXX months. 

* * BACKGROUND AND TIMELINE OF VIOLATIONS * * For over XXXX months, I have been disputing XXXX fraudulent items on my TransUnion credit report : ( XXXX ) a XXXX XXXX XXXX that does not belong to me, and ( XXXX ) a fraudulent collection account. I have provided comprehensive documentation including : - Identity theft police report - Federal Trade Commission ( FTC ) identity theft report - Official documentation from XXXX confirming NO bankruptcy exists in my public records - XXXX confirmation that they verified through XXXX  that no bankruptcy filing exists under my name Despite this overwhelming evidence, TransUnion has willfully refused to remove these fraudulent entries, constituting multiple violations of federal consumer protection laws. 

* * SPECIFIC FCRA VIOLATIONS * * * * XXXX. Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) - Failure to Conduct Reasonable Reinvestigation * * TransUnion has failed to conduct a reasonable reinvestigation within the required XXXXday period as mandated by FCRA XXXX XXXX a ) ( XXXX ) ( A ). After XXXX months of disputes with substantial documentation, their continued refusal to remove fraudulent information demonstrates willful non-compliance. 

* * XXXX. Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) - Failure to Delete Inaccurate Information * * Under FCRA XXXX ( a ) ( XXXX ) ( A ), TransUnion is required to delete any information that can not be verified or is found to be inaccurate. The XXXX documentation clearly proves the bankruptcy is fraudulent, yet TransUnion refuses to delete it. 

* * XXXX. Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) - Failure to Review Relevant Information * * TransUnion has failed to review all relevant information provided during the dispute process, including official police reports, FTC documentation, and XXXX verification, in direct violation of FCRA requirements. 

* * XXXX. Violation of 15 U.S.C. XXXX ( b ) - Failure to Follow Reasonable Procedures * * TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy, as they continue to report information that has been definitively proven false through official third-party verification. 

* * XXXX. Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) - Improper Reporting of Disputed Information * * By continuing to report the disputed bankruptcy that exists only on TransUnions report and not oXXXX XXXX or XXXX  TransUnion is violating the requirement that disputed information be properly handled and removed when unverifiable. 

* * UNQUALIFIED FOREIGN REPRESENTATIVES HANDLING SENSITIVE DATA * * On [ Date ], I spoke with XXXX XXXX, a supervisor in TransUnions XXXX XXXX Department, who is located in XXXX XXXX. When I asked whether TransUnion was following FCRA guidelines in handling my case, her response was shocking : I dont know. When pressed for clarification about what guidelines her company follows, she stated, I dont know, FCRA guidelines, I guess. 

This interaction reveals several critical violations : * * XXXX. Violation of 15 U.S.C. XXXX ( b ) - Inadequate Procedures for Accuracy * * TransUnions use of unqualified foreign representatives who admittedly do not know FCRA requirements demonstrates a failure to maintain reasonable procedures for maximum possible accuracy. 

* * XXXX. Potential Violation of 15 U.S.C. XXXXm - Disposal of Consumer Information * * The use of offshore personnel with inadequate training and knowledge raises serious concerns about proper handling and disposal of sensitive consumer information. 

* * XXXX. Violation of Consumer Data Protection Standards * * TransUnions practice of allowing unqualified representatives in XXXX XXXX, XXXX, and other foreign countries to have full access and full control over American consumers sensitive financial information without proper training in XXXX consumer protection laws constitutes a serious breach of data security standards. 

* * SINGLE BUREAU REPORTING VIOLATION * * The fraudulent bankruptcy appears only on my TransUnion credit report and not on XXXX or XXXX  reports. This discrepancy, combined with XXXX confirmation that no such bankruptcy exists, constitutes a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), as TransUnion can not reasonably verify information that other bureaus can not confirm and that official public records sources definitively contradict. 

* * WILLFUL NON-COMPLIANCE * * XXXX XXXX confirmed that TransUnion pulls from XXXX for public records verification. She also confirmed through instant messaging with upper management that they have received and reviewed my documentation. Despite this confirmation and the clear evidence provided, TransUnion continues to willfully maintain fraudulent information on my credit report. 

This constitutes willful non-compliance under 15 U.S.C. XXXXn, which provides for actual damages, punitive damages up to {$1000.00}, and attorneys fees for willful violations of the FCRA. 

* * DEMANDED RELIEF * * Based on the extensive documentation provided over XXXX months and the clear violations outlined above, I demand that : XXXX. TransUnion immediately and permanently DELETE and BLOCK both the fraudulent XXXX XXXX XXXX and the fraudulent collection account from my credit report within XXXX ( XXXX ) business days of receipt of this complaint. 
XXXX. TransUnion provide written confirmation that these items have been permanently removed and will not be re-reported. 
XXXX. TransUnion implement proper training procedures for all personnel handling American consumer disputes, regardless of their geographic location. 
XXXX. The CFPB investigate TransUnions systematic violations of the FCRA and impose appropriate penalties for their willful non-compliance. 
XXXX. The CFPB examine TransUnionXXXX practice of using inadequately trained foreign representatives to handle sensitive American consumer financial data. 

* * CONCLUSION * * TransUnions seven-month pattern of non-compliance, combined with their use of unqualified foreign representatives who openly admit they do not know FCRA requirements, demonstrates a systematic disregard for federal consumer protection laws. Their continued reporting of fraudulent information despite overwhelming evidence of its inaccuracy constitutes willful violations that demand immediate corrective action and regulatory intervention. 

I request that the CFPB investigate these serious violations and ensure that TransUnion complies with all applicable consumer protection laws expeditiously. 

Respectfully submitted, XXXX XXXX * * ENCLOSURES : * * - Copy of Identity Theft Police Report - Copy of FTC Identity Theft Report - XXXX Documentation - Records of All Dispute Communications- Documentation of Call with XXXX XXXX * * CC : * * TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 explanation