Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am submitting this formal complaint to report repeated violations of the Fair Credit Reporting Act ( FCRA ), FACTA, and my rights under federal consumer protection laws by the following credit reporting agencies : Equifax, Experian, and TransUnion.

I have submitted three dispute notifications to these bureaus regarding unauthorized inquiries and inaccurate, unverified credit score reductions. Rather than investigate and correct these issues as required by 15 U.S. Code 1681i, these agencies have engaged in what is clearly retaliatory practices, with my credit score dropping over XXXX within 45 days of my initial disputes. The score was reduced from XXXX to XXXX with no legitimate explanation or investigation, I have no darogatory accounts nor unpaid debt all my accounts are in good standing. 
Hard Inquiries in Dispute Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Further, I was not provided with any details on how my credit score was calculated, nor any substantiation for the derogatory remarks or inquiries that followed my exercise of legal rights. This lack of response directly violates 15 U.S. Code 1681g and 1681i, as well as provisions under the FTC Act prohibiting unfair and deceptive acts or practices.

Attached to this complaint are copies of the formal letters sent 
to each bureau, as well as my Identity Theft Affidavit, government-issued ID, and proof of address. I respectfully request that the FTC investigate these matters for willful noncompliance and consider appropriate enforcement action under 15 U.S. Code 1681n and 1681o.

Thank you for your attention to this matter. I can be reached by phone or email if further documentation or statements are required.

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