Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Address Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : XXXX, XXXX, and TransUnion. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX. XXXX  XXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. 
The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt. 
These late payments are inaccurate and have negatively affected my credit score. 
XXXX. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX  XXXX Charged-off balance of {$190.00} XXXX XXXX  XXXX XXXX XXXX of {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$930.00} XXXX XXXX XXXX  balance XXXX {$2900.00} XXXX. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with XXXX, XXXX, and TransUnion, the disputed information has not been adequately investigated or removed. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 
XXXX. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the XXXX breach. 
I believe this has contributed to inaccuracies on my credit reports that need immediate correction. 

Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. 
Denial of credit and higher interest rates. 
Emotional distress from the ongoing disputes. 

Requested Resolution : I request the CFPB to : XXXX. Investigate these reporting errors and ensure that XXXX, XXXX, TransUnion, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ). 
XXXX. Require the removal of the following accounts from my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. 


Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. 

Sincerely, XXXX XXXX

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