Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
am filing this complaint against TransUnion and any other credit reporting agencies responsible for maintaining and reporting my credit information for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their obligations under federal law. Specifically, these entities have violated the following provisions : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in my credit report.

15 USC 1681s-2 : Failure of data furnishers to properly investigate disputes and correct inaccurate or incomplete information.

15 USC 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information in a timely and thorough manner.

15 USC 1681i ( 5 ) : Failure to delete or correct information after reinvestigation or improper reinsertion of inaccurate information without providing required notice.

15 USC 1681c ( a ) : Retaining obsolete information that should have been excluded from my credit report ( e.g., information older than seven years for most negative items ).

15 USC 1681c ( c ) : Failure to block or remove fraudulent or disputed items related to identity theft.

15 USC 1681g : Failure to provide clear and accurate disclosures regarding the sources of reported information and investigation results. 
I have sent multiple dispute letters to XXXX and TransUnion regarding inaccurate and incomplete information on my credit report. These disputes included inaccuracies in reported balances, erroneous late payments, outdated collection accounts, and fraudulent accounts that appear to be the result of hacking or identity theft. Despite providing detailed documentation and requesting corrections, these credit reporting agencies have failed to conduct proper investigations, respond adequately to my disputes, or make the necessary corrections to ensure the accuracy of my report. 

Additionally, I recently became aware of the CFPBs lawsuit against XXXX for its inadequate handling of consumer disputes. The allegations outlined in the CFPBs complaint, including sham investigations and the reinsertion of errors without proper notice, directly mirror my own experience. These agencies failure to address these issues has caused significant harm to me, including but not limited to : Denial of credit opportunities, including being denied for a car loan in XX/XX/XXXX due to inaccurate credit reporting. 
Negative impact on my ability to secure housing, as I was rejected from a rental application in XX/XX/XXXX. 
Potential harm to my employment prospects, as my credit report was reviewed for a job application in XX/XX/XXXX. 
These issues have caused unnecessary stress, financial strain, and damage to my reputation. 

Resolution Requested : A full and thorough reinvestigation into all disputes I have submitted, with corrections or deletions of inaccurate, incomplete, or obsolete information from my credit report.

Written confirmation of the steps taken to address the issues, along with a copy of my corrected credit report.

Assurance that the credit reporting agencies reinvestigation procedures will comply with the Fair Credit Reporting Act ( FCRA ) moving forward, including adherence to : Maximum possible accuracy of credit reporting.

Proper notice if any previously deleted information is reinserted. 
Compensation for the financial and personal harm caused by these agencies noncompliance, including denial of credit opportunities, housing applications, and employment prospects. 
Provision of free credit monitoring services for a period of two years as a gesture of goodwill and accountability.

Supporting Documents : I request that the CFPB hold TransUnion, and any involved furnishers accountable for their failure to comply with the FCRA and ensure that they take corrective action. Thank you for your time and attention to this matter.

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