Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Subject : FORMAL FCRA COMPLAINT NON-COMPLIANCE, IDENTITY THEFT, AND INACCURATE CREDIT REPORTING BY ALL THREE CREDIT BUREAUS What Happened : This is a formal complaint against XXXX, XXXX, and TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding : Failure to block fraudulent information after submission of valid identity theft documentation Inaccurate and conflicting credit reporting across bureaus Refusal to provide Method of Verification ( MOV ) Reinsertion of removed data ( including bankruptcy ) without notice Mishandling of consumer disputes Reporting of unauthorized hard inquiries Despite submitting a valid FTC Identity Theft Report, a police report, and repeated disputes, the credit bureaus have continued reporting erroneous tradelines, improperly shared personal data, and discrepancies that suggest identity theft and/or negligent reporting.

Violations Include : 605B Failure to block fraudulent information 611 Inadequate and unlawful reinvestigation procedures 611 ( a ) ( 7 ) Failure to provide Method of Verification 607 ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) ( 6 ) Failure to disclose reinvestigation results 1681e ( b ) Failure to follow reasonable procedures for accurate reporting 1681b ( c ) Unauthorized credit inquiries Identity Theft and Compromise Indicators : FTC Identity Theft Report on file Police report filed Personal data exposed via known national breaches ( XXXX, XXXX, XXXX XXXX XXXX, XXXX ) Unauthorized change-of-address alerts in 2025 Accounts reported only on one bureau or inconsistently across all three Account Discrepancies : The following accounts include serious inconsistencies across the three CRAs or appear to be fraudulently placed : XXXX ( Account ending in XXXX ) Inconsistent open dates, high credit, last activity, and comment fields Account number formatting differs ( prefix added on XXXX  only ) Last payment missing or conflicting across bureaus XXXX  ( Account ending in XXXX ) Inconsistent high credit, credit limits, and last payment dates TransUnion and XXXX  show recent activity , while XXXX  shows outdated info XXXX account numbers differ, suggesting possible account splitting XXXX ( Account ending in XXXX ) Reported only by XXXX  No payment history, account charged off and soldsuspicious validity XXXX XXXX/ XXXX XXXX ( Account ending in XXXX XXXX Reported only by TransUnion No confirmation or reporting from XXXX  or XXXX  XXXX ( Account XXXX in XXXX ) Appears only on XXXX  Charged off, no record with other CRAspotential identity theft XXXX XXXX ( Account ending in XXXX XXXX Paid account listed only by XXXX  No record with TransUnion or XXXX omission unexplained Inquiry XXXX : Multiple duplicate or unexplained hard inquiries appeared within short timeframes : Same-day auto inquiries ( XXXX XXXX, XXXX, XXXX Credit ) reported differently across bureaus Inquiries from XXXX, XXXX, and others appear only on XXXX  , suggesting unauthorized or inconsistent access None of these inquiries were authorized or supported by written consent Summary of Harm : Inconsistent data creates confusion and misrepresentation of creditworthiness Fraudulent accounts and inquiries degrade credit scores and financial access Bureaus have failed to conduct proper reinvestigations or provide documentation The reinsertion of a previously removed bankruptcy ( without notice ) violates FCRA 611 ( a ) ( 5

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