Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
To whom it may concern, I am writing to address the ongoing inaccuracies on my credit report, which I believe are not the result of oversight but intentional misreporting by XXXX, TransUnion, and XXXX. These errors violate my rights as a consumer and are causing significant harm to my financial standing. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681 et seq., credit reporting agencies are required to maintain accurate information and investigate disputes within a reasonable timeframe. Specifically, **Section 1681i ( a ) ( 3 ) ** mandates that, during the investigation of a dispute, the disputed information must be " blocked '' or " removed '' if it is found to be inaccurate or unverifiable. However, despite my efforts to resolve these issues, inaccurate information continues to appear on my report, indicating a violation of my rights.

Furthermore, the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692 et seq., protects me from misleading representations about my creditworthiness. The reporting of false or inaccurate information by credit bureaus violates this law, as it misleads potential creditors and impacts my ability to secure fair credit terms. 

The **Uniform Commercial Code ( UCC ) **, particularly **UCC 9-310**, requires that any information about consumer debts be accurate and truthful. The deliberate reporting of incorrect data not only violates the FCRA and FDCPA but also undermines the integrity of financial transactions. 

The **Consumer Financial Protection Bureau ( CFPB ) ** has repeatedly taken action against these agencies for mishandling consumer information. Notably : - **XXXX** was sued in XX/XX/XXXX for conducting " sham investigations '' and allowing inaccurate information to be reinserted into credit files. ( [ XXXX ] ( XXXX XXXX XXXX ) ) - **XXXX** was fined {$15.00} XXXX by the CFPB in XX/XX/XXXX for mishandling dispute investigations, ignoring consumer-provided evidence, and allowing inaccuracies to persist on credit reports. ( [ XXXX ] ( XXXX XXXX XXXX  ) ) Additionally, **XXXX** was responsible for XXXX XXXX data breach affecting XXXX XXXX consumers. The subsequent settlement included a {$100.00} XXXX fine to the CFPB and {$300.00} XXXX for consumer compensation. ( [ XXXX ] ( XXXX XXXX XXXXXXXX ) ) These repeated violations demonstrate systemic issues within the credit reporting agencies, which I believe are willfully and intentionally misreporting information on my credit report. 

I demand that XXXX, TransUnion, and XXXX immediately correct the inaccuracies on my credit report. If not addressed promptly, I will file complaints with the CFPB and explore legal action for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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