Consumer complaint received 2025-12-08 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:
I am filing a formal complaint against Equifax, Experian, and TransUnion for repeatedly reporting inaccurate, unverifiable, and incomplete information on my consumer credit reports, despite multiple written disputes and requests for validation. 

All three bureaus have failed to follow reasonable procedures to assure accuracy as required under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the creditors directly and requested validation. It has been well over 30 days, and none of them responded. These items remain on my reports without the legally required verification. 

Reported unverified accounts without producing an original signed consumer contract, which I demanded under FCRA 609 ( a ) ( 1 ) ( A ).

Failed to reinvestigate properly before continuing to publish the information.

Continued to report incomplete, inaccurate, or misleading data even after receiving written disputes. 

Harmed my ability to obtain credit and a mortgage for my family. 

Left inquiries that I did not authorize and that are not linked to any open accounts. 

I explicitly told each bureau to cease and desist communication with the creditors under FDCPA 15 USC 1692c ( c ). 

Equifax Resurgent Receivables Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For all of the above : The creditor never validated the debt. More than 30 days have passed. 

Experian Resurgent Receivables XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts have been validated after more than 30 days. 

TransUnion XXXX / Case # XXXX Missing the required creditor name a direct FCRA violation. 

Resurgent Receivables 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 Again, all unverified after more than 30 days. 

Because the bureaus continue reporting accounts they can not prove belong to me, I have : Been denied credit Been blocked from securing a mortgage for my family Experienced unnecessary financial stress They are publishing information that is unverified, incomplete, and inaccurate, which is illegal under the FCRA.

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