Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint because the credit bureaus Equifax, Experian, and TransUnion have willfully failed to correct and permanently delete multiple inaccurate, unverifiable, and nonMetro 2compliant accounts, inquiries, and personal data from my credit reports despite multiple prior disputes. 

These bureaus continue to report information that is clearly false, outdated, and unverifiable, in direct violation of FCRA 602A ( Accuracy of Information ), 607 ( b ) ( Compliance Procedures ), and 611 ( a ) ( 1 ) ( A ) ( Reinvestigation Requirements ).

I have disputed the following accounts numerous times : SOC SEC ADMIN OFFICE, XXXX XXXX, and XXXX XXXX None of these furnishers or bureaus have provided lawful documentation proving the debts existence or ownership. I have not received any original signed contracts, itemized statements, or verifiable documentation that confirms these accounts are accurate or valid. Yet the bureaus continue to report them, ignoring my right to a full reinvestigation. 

The continued reporting of these unverifiable accounts shows reckless disregard for federal law. It has damaged my creditworthiness, caused emotional distress, and hindered my ability to obtain fair access to financial opportunities. The bureaus failure to perform a legitimate reinvestigation proves a pattern of willful noncompliance. 

Furthermore, there are multiple unauthorized hard inquiries that were placed on my credit file without my written authorization or permissible purpose, violating FCRA 604 ( a ) ( 2 ). These include inquiries from XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and others. I did not initiate any credit applications or give consent for these companies to access my personal file. Each inquiry represents a clear breach of federal privacy rights and a willful violation of permissible purpose requirements. 

In addition, my report continues to show incorrect personal identifiers, including false or outdated names, employers, and addresses. Examples include XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX. This inaccurate personal data creates confusion in my file, making it impossible for my credit report to be an accurate reflection of my identity, as required by FCRA 607 ( b ). 

Lastly, I want to emphasize that Equifaxs well-documented data breach further undermines the integrity of any data being reported. Because Equifaxs systems were compromised, it is impossible to trust that these unverifiable items have not been affected or corrupted. Continuing to report information that can not be verified or authenticated under secure conditions is a severe violation of consumer protection laws and reflects a willful pattern of negligence. 

In totality, these bureaus have ignored my repeated efforts to correct false data. They have failed to provide proper verification, ignored the Metro 2 data furnishing requirements, and disregarded their obligation to maintain maximum possible accuracy as mandated by the Fair Credit Reporting Act. Their actions and inactions have caused significant harm to my reputation, credit profile, and peace of mind.

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