Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to submit an official complaint against the nationwide consumer reporting agencies Experian, Equifax, and TransUnion for deliberate, repeated, and unlawful violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer protection laws.

Since 2023, I have attempted to resolve multiple errors and inaccuracies on my consumer reports by following proper dispute procedures and citing applicable laws. However, these agencies have consistently failed to take lawful action, refused to provide validation or verification of accounts, reinserted previously deleted data without notice, and continued to report inaccurate and unverified information. These actions have caused significant harm to me and my family, including denial of credit, housing, and financial opportunities, higher interest rates due to inaccurate reporting, emotional and mental distress, and strain on my financial well-being and ability to provide for my family.

Specific Violations and Corresponding Laws : Failure to provide full consumer disclosures FCRA 609 ( a ) Failure to investigate or respond to disputes within 30 days FCRA 611 ( a ) ( 1 ) Reinserting previously deleted items without notice FCRA 611 ( a ) ( 5 ) ( B ) Failure to remove outdated or obsolete information FCRA 605 ( a ) Failure to provide written notice of reinvestigation results FCRA 611 ( a ) ( 6 ) Continuing to report inaccurate or unverifiable data FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) Lack of verification/validation procedures or documentation FCRA 611 ( a ) ( 7 ), FDCPA 809 ( b ) Reporting consumer information without proper permissible purpose FCRA 604 ( a ) Reinserting false data after deletion, violating accuracy requirements FCRA 623 ( a ) ( 1 ) ( C ) Despite repeated
disputes and documented notices, no verification, validation, or lawful corrections have been made. Deleted data was unlawfully reinserted. Investigations were either not conducted or ignored altogether.

Under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ), I am legally entitled to recover up to {$1000.00} per violation of the FCRA, in addition to actual damages, punitive damages, and attorneys fees. These agencies are knowingly and recklessly violating these statutes, which means they are fully liable for statutory damages under federal law. 

I am no longer submitting further disputes or communications directly with Experian, Equifax, or TransUnion. I will be pursuing legal action and seeking recompense for the harm caused by their failure to uphold federal consumer protections. I am documenting every instance and will be working with legal counsel to file formal lawsuits as allowed by law.

This complaint is being sent to your agencies for the record and for immediate review and investigation. I request that your office take enforcement action to hold these consumer reporting agencies accountable and prevent further consumer harm.

Thank you for your attention to this serious matter. I look forward to a formal response from your agency and confirmation that this complaint has been logged and investigated. 

Blessings, XXXX XXXX

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