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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint to report serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion and XXXX XXXX XXXX. This complaint is not a disputeit is a demand for regulatory enforcement, deletion, and accountability. 

Furnisher Violation FCRA 623 ( b ) ( 1 ) ( D ) XXXX XXXX XXXX is continuing to report an account to TransUnion that was already deleted by XXXX  as of XX/XX/2025. Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher finds information to be inaccurate or unverifiable during any investigation, it must notify all consumer reporting agencies ( CRAs ), not just one. The fact that XXXX deleted the account from XXXX  but continues to report to TransUnion and XXXX  proves a willful violation of federal law. This is not a gray area. It is unlawful to knowingly allow inaccurate or unverifiable information to remain active on one report after it has been corrected or deleted on another. XXXX XXXX XXXX had a legal obligation to block all further reporting after confirming deletion with one bureau. 

TransUnion Violations Mixed File, Name Manipulation, Score Suppression TransUnion is knowingly verifying accounts using names that do not belong to me. Despite my submission of proper identification multiple times ( via certified mail and the CFPB portal ), TransUnion continues to retain and verify accounts using a suppressed identity field. yet TransUnion continues flipping the name field between variations like XXXX, XXXX, and others over a XXXX-month timeframe. I have screenshots and records showing at least XXXX  separate name changes in that window. I contacted TransUnion several times and sent proper documents repeatedly, but they ignored all my requests and continued verifying fraudulent accounts. My name in XXXX XXXX is locked under a name that is not mines, which is controlled only by TransUnion. I can not change it. This proves backend manipulation. 

XXXX  deleted this same XXXX account after receiving the same documentation and confirmed their deletions under my correct legal identity. TransUnion has not provided any explanation about how the account was verified, what name was used, or which documents were matched. Their response was simply a copy of the balancenot proof of verification. This shows TransUnion either falsified the verification or relied on the corrupted name data still sitting on my report. Either way, it is fraud. 

XXXX XXXX  XXXX XXXX XXXX XXXX TransUnion also ignored my XXXX complaint, which is a pattern of willful evasion. The XXXX  even advised me to escalate this to the Pennsylvania Attorney General, who takes matters involving XXXX  and their families very seriously. I maintain a verified account with XXXX XXXX XXXX XXXX, which by federal membership standards confirms my XXXXXXXX XXXX My sponsorship and household verification are on file with XXXX, and my legal protection as an immediate family member is active and established. 

The Pennsylvania Attorney XXXX XXXX has a XXXX XXXX XXXX XXXX XXXX specifically dedicated to addressing credit reporting issues affecting XXXX  and their immediate families. My report is the exact reason those protections exist. fraudulent activity that has gone ignored by TransUnion despite repeated notices, complaints, and evidence. I am a legally protected party under the FCRA and state-level law. 

XXXX XXXX I have not yet forwarded my full evidence packet to the Pennsylvania Attorney General. As a courtesy, I have withheld that submissionfor now. I possess overwhelming documentation proving identity fraud, name flipping, fabricated disputes, account laundering, and backend manipulation by both TransUnion and furnishers like XXXX XXXX XXXX. If I forward this complaint and assert my legal protections with the Pennsylvania Attorney General, the consequences will be serious. I demand immediate deletion of this account, full correction of the identity data, and investigation into the violations described above. 

This is a formal regulatory complaintnot a dispute. I am requesting enforcement action, not reinvestigation.

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