Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to formally demand that TransUnion immediately delete multiple inaccurately and fraudulently reported accounts from my consumer credit file pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB regulations.

Despite numerous disputes submitted by me personallyincluding certified mailings, dispute letters, and online disputesTransUnion has failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i, has failed to ensure maximum possible accuracy as required under 1681e ( b ), and has failed to disclose the method and sources of verification as required by 1681g and 1681i ( a ) ( 7 ). 

Disputed Accounts Include but Are Not Limited To : XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX These tradelines contain inaccurate, unverifiable, or misleading information, including : Lack of debt validation and verification from the creditor or collector ; Metro 2 compliance violations such as failure to update fields like Account Status, Date of First Delinquency, and Compliance Condition Code ; Use of incomplete or improper creditor names ( XXXX XXXX XXXX XXXX XXXX XXXX ; Failure to change dispute codes or reinvestigation results despite clear legal requests ; Duplicated entries from debt buyers that violate 15 U.S.C. 1692e ( 8 ) by reporting information known to be false or misleading.

Legal Grounds for Deletion : You are legally obligated to delete any information which can not be verified under FCRA 611, and to cease the furnishing of inaccurate data under FDCPA 809 ( b ). These agencies have failed to provide : Original signed contracts ; Full chain of title and assignment documents ; Proof that the debt is not securitized and remains collectible by the entity reporting it ; Original billing statements or any documents bearing my personal signature.

Further, your response falsely claiming I used an unauthorized third party is unfounded and defamatory. I have never hired a credit repair company or authorized anyone else to act on my behalf. This appears to be a willful attempt to block a legitimate consumer dispute, a direct violation of my rights under 15 U.S.C. 1681i ( a ) ( 3 ).

Federal Oversight and Regulatory Action : As of today, I have submitted the following : A formal FTC fraud report ( Confirmation # XXXX ) ; Multiple complaints to the Consumer Financial Protection Bureau ( Complaint XXXX XXXX, XXXX, and XXXX ) ; Written documentation sent via certified mail to TransUnion with detailed legal citations, account-by-account violations, and identity verification.

Additionally, I am aware that TransUnion has been the subject of recent lawsuits and regulatory action by the CFPB for similar violations involving automated dispute handling, false ACDV responses, and consumer harm. I am also aware of your data breach history, and I have not received any breach notification. This further diminishes trust in your verification process.

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