Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint regarding TransUnions failure to accurately maintain and update my credit report in accordance with the provisions of 15 U.S.C. 1681 ( a ) ( 1 ) ( i ) ( a ), which requires that credit reporting agencies maintain accurate information. I am also a victim of identity theft, and despite providing TransUnion with the appropriate documentation, the company has not corrected the inaccuracies on my credit report. 
I have attached my credit reports and a record of disputes I filed online, which were returned as accurate despite my assertions of incorrect information. Below are the specific discrepancies on my TransUnion credit report that I have repeatedly attempted to address but have yet to be resolved : 1. Incorrect Personal Information : My name and address are incorrect. These details have been circled on the attached reports. 2. XXXX  Account # XXXX : High credit, credit limit, last date reported, and last date active are inaccurate. 
XXXX. XXXX Account # XXXX : Monthly payment, date opened, and payment history are inaccurate. 
XXXX XXXX XXXX XXXX Account # XXXX : Last reported, date last active, and date of last payment are incorrect. 
XXXX. XXXX XXXX Account # XXXX : Date opened and missing payment history. 
XXXX XXXX XXXX Account # XXXX : Date opened, date of last payment, and missing payment history. 
XXXX XXXX XXXXXXXX Account # XXXX : Date opened, date last active, and missing payment history. 
XXXX XXXX XXXXXXXX Account # XXXX : This account incorrectly lists me as an authorized user. 
XXXX XXXX XXXX  Account # XXXX : Date opened, last reported, date last active, and date last payment are incorrect. 
XXXX XXXX  XXXX Account # XXXX : Date last active is missing. 
XXXX XXXX XXXXXXXX Account # XXXX : Date opened, last reported, date last active, date of last payment, and missing payment history. 
XXXX XXXX XXXXXXXX Account # XXXX : Missing all information. 
XXXX. XXXX XXXX Account # XXXX : Date opened, last reported, date last active, date of last payment, and payment for XX/XX/XXXX are missing or incorrect. 
XXXX. XXXX XXXX Account # XXXX : Date opened, high credit, and date of last payment are incorrect. 
XXXX. XXXX Account # XXXX : Missing all information. 
XXXX. XXXX Account # XXXX : Date opened, high credit, and date of last payment are missing. 
XXXX. XXXX Account # XXXX : Date opened, high credit, date last active, and missing payment history. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX : Date opened, high credit, last reported, date last active, and date of last payment are incorrect. 
XXXXXXXX XXXX Account # XXXX : Missing date opened, high credit, and payment history. 
XXXX XXXX XXXX XXXX Account # XXXX : Incorrect date opened, high credit, payment status, last received, date last activity, and date of last payment. 
XXXX. XXXX XXXX Account # XXXX : Incorrect date opened, high credit, last reported, date last active, and date of last payment. 
XXXX. XXXX XXXX Account # XXXX : Missing date of last payment. 
XXXX. XXXX XXXX Account # XXXX : This is not my account, as I am listed as an authorized user on my husband 's account. 
XXXX. XXXX Account # XXXX : Missing date last reported, date last active, date of last payment, and payment history. 
XXXXXXXX XXXX XXXX XXXX Account # XXXX : Missing date opened, balance, last reported, last date active, and date of last payment. 

In addition to the above disputes, I have reported to TransUnion that I am a victim of identity theft, providing them with my police case number, identity theft report, and a copy of my CRA report. Despite these efforts, they have failed to take appropriate action, and the information remains on my report. I have also disputed the hard inquiries associated with these accounts and sent letters to each company involved, including the case number, identity theft report, and a copy of my Texas Driver 's License, but no corrections have been made. 
I am requesting that the above-listed inaccurate accounts and information be removed from my credit report immediately and that TransUnion take corrective action in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these issues. 
Sincerely, 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 non-monetary relief