Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Consumer Data Industry Associations XXXX XXXX reporting standards. 

Despite multiple written disputes, each bureau continues to publish inaccurate, incomplete, and unverifiable data linked to my credit file, in direct violation of FCRA 607 ( b ) and 611 ( a ). Their repeated failure to conduct a lawful reinvestigation, provide supporting validation, or remove unverifiable data demonstrates willful noncompliance and reckless disregard for accuracy under FCRA 616617.

I am a confirmed victim of both the Equifax Data Breach and the NPD Data Breach, which exposes my identifying information to potential misuse. Under 609 ( e ), the bureaus are required to apply heightened verification standards and suppress unverifiable identifiers ; instead, they have done the opposite republishing previously disputed data without proof or consumer consent.

1. False and Inconsistent Account Reporting Each bureau continues to report multiple XXXX XXXX and XXXX XXXX accounts as charged off, transferred, or in dispute resolved consumer disagrees. 

The accounts ( XXXX XXXX # XXXX, # XXXX, # XXXX ; XXXX XXXX # XXXX, # XXXX ) show contradictory remarks simultaneously listed as charged off and transferred or sold. 

This dual classification directly violates XXXX XXXX Field XXXX standards, which require a single, consistent account status. 

No bureau or furnisher has produced a signed contract, payment ledger, or timestamped validation to prove ownership or accuracy of any alleged debt. 

Because the accounts remain unverifiable and were reported inconsistently across bureaus, this constitutes violations of FCRA 611 ( a ) ( failure to verify disputed data ) and 623 ( b ) ( failure of furnishers to correct inaccurate information ).

2. Improper Charge-Off and XXXX Violations The account XXXX/XXXX  # XXXX shows a charge-off despite a {$0.00} balance, which is factually impossible and misleading. Reporting a charge-off on an account with no loss event or unpaid balance violates FCRA 607 ( b ) and 623 ( b ) and fails XXXX XXXX completeness requirements that prohibit conflicting balance and loss fields. 

XXXX. Unverified Employer and Address Data The bureaus continue to publish XXXX false employers ( XXXX XXXX and XXXX XXXX ) and an inaccurate address ( XXXX XXXX XXXX XXXX, XXXX, IL ) that have already been removed by one bureau but remain on others.

This violates FCRA 604 ( a ) and 611 ( a ) * * by failing to ensure the maximum possible accuracy and to delete unverifiable personal identifiers.

Equifaxs prior deletion confirms the information is unverifiable, yet Experian and TransUnion continue to reinsert it without providing the required XXXX notice under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

4. Incomplete and Unauthorized Inquiries Unauthorized hard inquiries remain on file without proof of permissible purpose or my signature authorization, violating FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ) ( A ) * *.

Given the confirmed breaches of my data, any such automated matching or inquiry re-use is unreliable, constitutes willful negligence, and increases identity-theft exposure. 

XXXX. XXXX XXXX XXXX Data Integrity Failures Each disputed account displays material inconsistencies in critical XXXX XXXX fields, including : Field 10 ( Date Opened ) Field 12 ( High Credit ) Field 17A/B ( Status and Payment Status ) Field 27 ( Date of Last Payment ) These cross-bureau mismatches reveal that the furnishers have failed to maintain uniform, certified data accuracy as required by the CDIA Credit Reporting Resource Guide ( CRRG ). Such data fragmentation materially lowers my FICO score by incorrectly influencing payment-history and utilization variables.

Harm and Requested Action Because of these ongoing violations, I have been denied fair credit opportunities, subjected to elevated interest rates, and experienced measurable emotional distress from being inaccurately represented as a delinquent borrower.

I am demanding that the Consumer Financial Protection Bureau compel Equifax, Experian, and TransUnion to : Permanently delete all unverifiable, contradictory, or breach-compromised accounts ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ). 

Remove all false employers and outdated addresses from my file. 

Eliminate unauthorized inquiries lacking permissible purpose documentation. 

Provide written certification of each reinvestigation, including the exact date, data furnisher response, and supporting validation document per 611 ( a ) ( 7 ).

Legal Summary FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to conduct lawful reinvestigation and delete unverifiable data FCRA 623 ( b ) Furnishers failure to correct inaccurate or incomplete information FCRA 609 ( e ) Heightened protection for identity-theft victims FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Unlawful re-insertion without XXXX notice XXXX XXXX CRRG Standards ( Fields 10, 12, 17A/B, 27 ) Non-compliant, contradictory, or incomplete reporting Recommended Action : Escalate this matter for regulatory enforcement and require the permanent deletion of all listed accounts and personal identifiers. The continued publication of unverifiable and breach-compromised data has caused both financial and emotional harm and constitutes willful noncompliance warranting full deletion rather than mere remark correction.

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