Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am filing a formal complaint against both Experian and TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and for endangering consumer data and rights. 
Key Issues with Experian and TransUnion Failure to Conduct Proper Investigations : Both Experian and TransUnion have failed to perform reasonable reinvestigations of disputes, relying instead on automated e-OSCAR code-only processes. This violates the standards set by FCRA 611 and ignores the duty to ensure maximum possible accuracy as required under FCRA 607 ( b ). 
Unverifiable and Inaccurate Reporting : Accounts and inquiries listed on my credit file were reported without original source documentation or legally sufficient evidence. Both bureaus have continued to report items that are incomplete, inconsistent, unverifiable, or lack the necessary contractual or itemized documentation. 
Automated Process and Sham Investigations : My disputes were not actually investigated, in apparent violation of my rights under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ), as confirmed by the 2025 federal CFPB lawsuit against Experian for conducting sham investigations that failed to properly review consumer disputes or forward supporting documents to furnishers. Experian relied excessively on automation, resembling the abusive practices described in the CFPBs enforcement action. 
Accounts and Inquiries in Dispute Multiple accounts, including those from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, were improperly listed and remain despite a lack of proper documentation and failure to verify per FCRA and XXXX XXXX compliance standards. 
A unauthorized credit inquiry, such the one from XXXX XXXX, were included in my file even though no permissible purpose or signed authorization exists, also violating FCRA 604 ( a ) ( 3 ).

Legal and Security Concerns Experians CFPB Lawsuit : In XX/XX/year>, the CFPB filed a lawsuit against Experian for failing to properly conduct reinvestigations of consumer disputes, failing to delete inaccurate or unverifiable data, and relying excessively on automated responses instead of factual investigations. This is consistent with my experience and demonstrates systemic wrongdoing by Experian. 
TransUnion XXXX Breach : In late XX/XX/year>, TransUnion suffered a massive data breach impacting over XXXX XXXX consumers, exposing highly sensitive data like Social Security numbers, birthdates, addresses, and more. This breach increased the risk of identity theft, credit fraud, and long-term credit damage for all affected individuals, including myself. Complaints to TransUnion are especially urgent in light of this security failure. 
Requested Resolution Immediate deletion of all unverifiable, inaccurate, or incomplete accounts and inquiries listed in my disputes, not merely marking them as disputed or making partial corrections. 
Comprehensive documentation and written explanation of the method of verification used in each dispute resolution, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Civil and regulatory action against both Experian and TransUnion for their pattern of noncompliance and, in TransUnions case, inadequate consumer data protection.

These failures by both Experian and TransUnion have caused ongoing harm to my access to credit and peace of mind, as well as exposing me to significant risks through poor information security practices.

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