Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
XXXX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : FCRA 604, 605A, 605B, 607 ( b ), 609 ( a ), 611, and 611 ( a ) ( 5 ) ( B ) Comprehensive Dispute, Identity-Theft Block, and Method-of-Verification ( MOV ) Demand Statement of Issues I am a victim of identity theft and data breaches that have caused inaccurate, incomplete, and unauthorized information to appear across all three of my credit reports.

Under the Fair Credit Reporting Act ( FCRA ), I dispute the accuracy, completeness, and permissible purpose of multiple tradelines, inquiries, and identifiers. 
This is a formal demand for reinvestigation, correction, and permanent deletion or blocking of all unverifiable, inconsistent, or reinserted data.

1 ) Personal Information Metro 2 Code 112 Each bureau must report only the following : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX All other names, addresses, phone numbers, and employers must be deleted to prevent mixed-file errors. 
This request is made under 607 ( b ) ( accuracy ) and 611 ( reinvestigation ).

2 ) Improper Reinsertion 611 ( a ) ( 5 ) ( B ) If any previously deleted item was reinserted, the credit bureau must : Provide certification from the furnisher, and Send written notice within 5 business days of reinsertion.

If either requirement was not met, the item must be immediately removed.

3 ) Cross-Bureau Inconsistencies 607 ( b ), 611 Correct or delete any item that does not match across bureaus or the furnishers verified records. 

XXXX XXXX ( Mortgage ) : TU shows 60-day late ( XX/XX/XXXX ) ; EX shows OK ; dates differ. 

XXXX XXXX : Late-payment months inconsistent. 

XXXX XXXX  XXXX : Missing monthly data ; incomplete history. 

XXXX : TU lists XXXX-day late vs EX XXXXday late. 

XXXX  XXXX ( XXXX ) : Charge-off sequence missing on other bureaus. 

XXXX ( XXXX ) : Repo/charge-off inconsistencies. 

XXXX XXXX XXXX ( Auto Voluntary Repo ) : Repo timeline mismatch. 

XXXX ( XXXX XXXX ) : No application or consent proof ( possible ID theft ). 

4 ) Late-Payment/ Status Defects Metro 2 Code 162 Several tradelines show inaccurate or incomplete delinquency histories.

Examples : OK status combined with Charge-Off remarks. 

Missing or incomplete XXXX late codes. 

Contradictory current and charged-off designations. 

If furnishers can not produce original payment ledgers or account statements verifying these delinquencies, delete the late markers or entire tradeline.

5 ) Identity-Theft / Mixed-File Block 605B I have provided FTC Identity Theft Report Ref # XXXX. 
Under 605B, you must block all accounts, tradelines, and inquiries not supported by competent evidence ( signed authorization or e-consent with IP/timestamp ). 

Each bureau must also provide a Method of Verification ( MOV ) that includes : Furnisher name and member code Verification method ( manual or e-OSCAR ) Reviewers name or ID Date verified Copies of any signed authorizations or applications 6 ) Unauthorized / Improper Hard Inquiries 604, 609 ( a ), 611, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Equifax No known unauthorized inquiries. If any are later discovered, treat them as disputed and delete or reclassify them as soft. 

7 ) Banking & Specialty File Accuracy Ensure data consistency across : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  Any unverifiable data must be deleted, and full MOVs provided upon request. 

8 ) Bankruptcy Reporting If any bankruptcy is present : Identify data source ( XXXX/vendor, case number, chapter, filed/discharge dates ). 

Provide supporting court documents or delete the record if unverifiable. 
Reinsertion must comply with 611 (

a ) ( 5 ) ( B ). 9 ) Security Freezes & Opt-Outs Maintain all active security freezes and permanent opt-outs.

Do not modify or lift without my written consent.

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