Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint involves Experian XXXX XXXXXX/XX/XXXX XXXX XXXX, and TransUnion LLC repeatedly reporting fraudulent, inaccurate, unverifiable, and identity-theft-related information for over three years despite police reports, identity theft documentation, CFPB resolutions, and official furnisher notices. Their continued misconduct has damaged my creditworthiness and will result in litigation in federal court. For over three years I have disputed : XXXX XXXX accounts ending in XXXX and XXXX XXXX XXXXXX/XX/XXXX account XXXX XXXX XXXX collection reporting XXXX XXXX XXXXXX/XX/XXXXXXXX reporting Addresses where I have not lived for several years Phone numbers that do not belong to me Inquiries tied to fraudulent accounts and identity theft All three bureaus continue to publish this information despite it being inaccurate, fraudulent, or unverified. REINSERTION VIOLATION ( FCRA 1681i ( a ) ( 5 ) ( B ) ) In XX/XX/XXXX, theXX/XX/XXXX XXXX accounts were removed from my credit reports following a CFPB investigation. These same accounts later reappeared without any 5-day reinsertion notice, without certified verification from the furnisher, and without documentation of reinvestigation. This is a direct and willful violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) Notice of reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) Furnisher certification required 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) Failure to permanently block after unlawful reinsertion The bureaus acted in bad faith and intentionally ignored federal law. FURNISHER CONFIRMATION OF NON-REPORTING On XX/XX/XXXXXX/XX/XXXXXXXX sent a written notice confirming : These accounts were opened online There is no signed application or consumer authorization They were sold to debt buyersXX/XX/XXXXXXXX no longer reports these accounts to any CRA Despite this : ExperianXX/XX/XXXX TransUnion continue to report these accounts and their related collections. This violates : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information IDENTITY THEFT + FAILURE TO BLOCK UNDER FACTA I submitted : Police report Identity theft affidavit Furnisher correspondence Government ID Proof of residence Under 15 U.S.C. 1681c-2, CRAs must : Block fraudulent information within 4 business days Cease reporting all data tied to identity theft Notify the consumer of the action taken All three credit bureaus failed to comply. REPEATED FAILURE TO REINVESTIGATE ( FCRA 1681i ) Each bureau uses automated form letters : We can not locate your information We can not verify your dispute Investigation completed in 4872 hours Then no corrections are made. This is not a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ). DAMAGES The actions of these bureaus have : Destroyed my creditworthiness Prevented access to housing Prevented access to financial services Caused emotional and financial distress Damaged my ability to support myself and my family These violations have continued for years, despite documented evidence. STATUTORY DAMAGES PER VIOLATION I am aware of the statutory penalties associated with willful or negligent violations of the FCRA : 15 U.S.C. 1681n Willful Violations Actual damages OR Statutory damages of {$100.00} to {$1000.00} per violation Punitive damages at the courts discretion Attorney fees and court costs 15 U.S.C. 1681o Negligent Violations Actual damages Attorney fees and court costs The bureaus have been repeatedly notified of inaccuracies, identity theft, and previous CFPB adjudication, making these violations willful, not accidental. NOTICE OF INTENT TO PURSUE FEDERAL ACTION Due to the ongoing unlawful conduct by Experian,XX/XX/XXXX and TransUnion and the severe impact on my creditworthiness I will be seeking damages in federal court, including : Statutory damages Actual damages Punitive damages Legal and filing costs The bureaus have ignored : Three years of disputes Multiple police reports Identity theft filings Furnisher confirmations Prior CFPB resolutions This is systemic noncompliance. Requested Resolution Permanent deletion of : XXXXXX/XX/3476 Huntington account Portfolio Recovery Associates Bureaus Investment Group Portfolio No. 15 Removal of all addresses that do not belong to XXXXXX/XX/XXXXXXXX. Removal of all phone numbers that are not XXXX Removal of all inquiries tied to fraudulent accounts not tied to my address. Written explanation of how reinsertion occurred. Written disclosure of method of verification with the TRUE BILL, LEDGERS FROM BOTH END OF THE CONTRACTS, AND EVERY TRANSACTION, IF NONE OF THIS IS SENT WITHIN 7 DAYS I DEMAND EVERY ACCONTS BE DELETED IMMEDIATLEY. AND ALL CREDIT INQUIRIES THAT ARE NOT TIED TO ANYYY OPEN ACCOUNTS!!!!! ! AND TAHT SHOULD BE EACH AND EVERY LAST ONE OF THEM!

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 explanation