Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because the credit reporting agency refuses to process my dispute and Method of Verification ( MOV ) request by repeatedly claiming it can not verify my identity, even though it : Actively maintains and distributes a credit file under my exact name, address, and identifying information ; Received valid identity documentation from me multiple times, including a government-issued ID and proof of address ; Sent me written notice admitting that my personal information was exposed in its own data breach ; Began showing new inaccuraciesincluding changes to payment history that I do not recognizeafter this data breach ; Is the subject of an FTC report related to the breach and the inaccurate accounts ; Continues denying my identity only after I requested the MOV for the disputed accounts. 

The agencys refusal to investigate and refusal to disclose how the disputed accounts were verified violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

These actions and failures constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA Violations- FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

The CRA refuses to process my disputes despite having all required identity documents.

FCRA 611 ( a ) ( 7 ) - Failure to provide the method of verification.

They verified the accounts as accurate but refuse to explain how.

FCRA 609 ( 15 U.S.C. 1681g ) - Failure to disclose all information in my file.

They claim no file exists, yet I possess a credit report they issued.

FCRA 610 / 611 ( h ) - Improper use of identity can not be verified as a basis to avoid a dispute.

This is prohibited, especially when documentation has been provided.

FCRA 604 / 1681b- Permissible purpose issue.

If they genuinely can not verify my identity, they can not legally maintain or furnish a credit file in my name. The CRA must block information that may be the result of identity theft or unauthorized alteration. The CRA is not allowed to continue reporting disputed information unless it can certify the data is accurate and belongs to me. If the CRA can not verify the accuracy, the accounts must be deleted. 
Given the CRAs refusal to verify anything, 605B directly supports my request for account deletion.

FCRA 623- If furnishers are providing unverifiable or inaccurate information, the CRA must delete it.

FCRA 1681e ( b ) Maximum possible accuracy The CRA continues reporting information that is inaccurate and unverified.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation The agency refuses to investigate my disputes even after receiving proper identification. 

15 U.S.C. 1681g ( a ) Failure to disclose all information in the consumers file They claim no file exists for me, although I possess a credit report issued by them.

15 U.S.C. 1681h ( a ) ( 1 ) Improper refusal to disclose file information on identity grounds I already provided valid and sufficient identifying documents.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy The company is still reporting inaccurate data and refuses to verify or correct it.

15 U.S.C. 1681c-2 ( a ) Blocking information resulting from identity theft Because my information was compromised in their breach and new errors appeared afterward, the disputed accounts must be treated as potentially identity-theft-related unless they provide full validation.

15 U.S.C. 1681b Permissible purpose If they claim they can not verify my identity, they can not legally maintain or disseminate a file under that same identity.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft & Blocking of Information Because the CRA admits my information was compromised in their own data breach, and I now see account information and payment history changes I do not recognize, the disputed accounts fall under 605B. Under this section : I am requesting immediate deletion of the following XXXX accounts because the reporting agency refuses to verify them, refuses to disclose its method of verification, and continues to maintain potentially compromised and inaccurate information in violation of federal law : Account 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

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