Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
I am filing a complaint against Experian, TransUnion, XXXX XXXX, and XXXX XXXX for reporting inaccurate, mixed-file, and fraudulent information on my credit files and failing to correct it after disputes. My Equifax file is accurate and shows a XXXX score with no XXXX  ; I request that Experian and TransUnion align with this accurate Equifax baseline. 
Reference : Three Bureau Credit Report XXXX ( IdentityIQ ), Report Date XX/XX/XXXX. 

Security alerts on file ( supporting identity-theft concerns ) : Experian ( placed XX/XX/XXXX ) : ID SECURITY ALERT instructing lenders to verify identity first ; callback XXXX. 
Equifax : FRAUD VICTIM. INITIAL ALERT Daytime XXXX. 

A ) Mixed-file / personal-info errors ( not mine ) : Wrong names/AKAs : XXXX XXXX ( Equifax ), XXXX XXXX XXXX XXXX Experian AKA XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax Former XXXX XXXX My correct name is XXXX XXXX XXXX. 
Wrong address showing as current on Experian ( XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX not mine. 
These are mixed-file indicators that must be removed. ( FCRA 607 ( b ) accuracy ; 611 reasonable reinvestigation. ) B ) Derogatory accounts I dispute as not mine/ inaccurate : 1. XXXX XXXX ( revolving ) TransUnion # XXXXXXXX XXXX XXXX  / Experian # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reported collection/charge-off, balance {$480.00}, past due {$480.00}, opened XX/XX/XXXX, last reported TU XX/XX/XXXX / EX XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX / XXXXXXXX XXXX XXXX  ( Equifax ) XXXX XXXX  collection, balance {$340.00}, opened XX/XX/XXXX, last reported XX/XX/XXXX ; note Consumer disputes this account information. I do not owe this debt. 
XXXX. XXXX XXXX ( two installment entries ) Unknown credit extension/review/collection, last reported XX/XX/XXXX and XX/XX/XXXX. I did not authorize these and dispute their accuracy and any permissible purpose. 

C ) Public record that is not mine ( appearing on Experian/TransUnion only ) : Chapter XXXX Bankruptcy XXXX XXXX # XXXX / EX Ref # XXXX ; filed XX/XX/XXXX, XXXX XX/XX/XXXX. I have never filed bankruptcy. Equifax correctly shows no XXXX  ; Experian and TransUnion must remove. 

D ) Unauthorized hard inquiries ( last 2 years ) : I did not authorize the inquiries below, and there was no permissible purpose under FCRA XXXX04 ( 15 U.S.C. 1681b ). Please remove them. 

Equifax : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) Experian : XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/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 XXXX Legal basis : FCRA 604 ( no inquiry without permissible purpose ) ; 607 ( b ) ( maximum possible accuracy ; mixed-file errors ) ; 611 ( reasonable reinvestigation ) ; 605B ( identity-theft blocking for fraudulent items ) ; 623 ( accurate furnishing/corrections ). 

These errors caused score damage, denials, and distress. Equifax shows the correct, XXXX-free baseline that Experian and TransUnion must match.

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