Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax and TransUnion has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports.

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX  highlighted practices that are consistent with issues I have experienced with Equifax and TransUnion including : Conducting sham investigations : Equifax and TransUnion like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax and TransUnion has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax and TransUnion provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax and TransUnion credit report that require immediate correction : ACCOUNTS PERSONIFY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records, I have never been late on this account. It appears that there are reports of XXXX or 180 days late without a preceding XXXX or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist DPEDNELNET - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist DPEDNELNET - XXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XXXX * * - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXXXXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist DPEDXXXX XXXX XXXXXXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX  - XXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist NAVIENT - XXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX * * * * - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist DPEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

PERSONAL INFORMATION EMPLOYER - EMPLOYED - The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX XXXX XXXX  - The personal data reporting is inaccurate. 
Despite my previous efforts to address these errors, they persist, and I suspect improper practices by XXXX  and TransUnion have contributed to their continued presence.

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