Consumer complaint received 2025-06-29 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: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : FORMAL DISPUTE CORRECTION OF NAME AND DELETION OF INACCURATE ACCOUNTS UNDER FCRA AND FDCPA Re : TransUnion Credit Report dated XX/XX/XXXX Dear TransUnion Dispute Department, This letter is a formal dispute and reinvestigation request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The credit file you maintain on me includes false personal identifiers and multiple unlawfully reported accounts that are impacting my credit standing and must be corrected immediately. 

I. NAME DISCREPANCY REMOVE ALL INACCURATE NAME VARIATIONS You are currently reporting multiple versions of my name on my credit file. Please be advised : My full legal name is : XXXX XXXX XXXX I do not have any aliases, nicknames, or " also known as '' ( XXXX  ) variations. Any deviation from this name is inaccurate and must be removed immediately in accordance with FCRA 1681e ( b ), which mandates maximum accuracy in consumer reporting. 

II. DISPUTED ACCOUNTS DELETE OR CORRECT IMMEDIATELY XXXXXXXX XXXX XXXX XXXX. ( Acct ending in XXXX ) This account was charged off years ago but has been updated recently ( as of XX/XX/XXXX ) in an apparent act of illegal reaging. 

This violates FCRA 1681c ( a ) ( 4 ) and 1681e ( b ). Please correct the date or delete the tradeline.

XXXX XXXX ( Acct ending in XXXX and XXXX ) XXXX XXXX no longer owns these debts and has sold them to debt collectors. 

Account ending in XXXX is also under a cease and desist order and is no longer collectible. 

Reporting this as an active account violates FCRA 1681s-2 and FDCPA 807.

XXXX XXXX ( Acct ending in XXXX ) This account has been sold to a third party. XXXX  no longer owns or services it. 

Continued reporting by XXXX violates FCRA 1681e and is misleading. 

XXXX XXXX XXXX ( Acct ending in XXXX ) I have no contractual or consumer relationship with XXXX. 

They have failed to verify the debt and lack the standing to report this tradeline. 

Remove this unverifiable debt under FCRA 1681i ( a ) ( 1 ) ( A ).

XXXX XXXXXXXX ( Acct # XXXX XXXX and XXXX ) These accounts have been sold, and Affirm no longer legally owns them. 

Continued reporting violates FCRA 1681e ( b ) and misrepresents ownership.

XXXX XXXX XXXX  These tradelines do not belong to me. I have never applied for or maintained credit through these entities.

This is likely a result of mixed or merged files and must be deleted under FCRA 1681i. 

XXXX / XXXX XXXX XXXX. ( Missing/Inaccurate Payment Reporting ) The XXXX tradeline lacks an accurate or complete payment history. 

I request a full reinvestigation under FCRA 1681s-2 ( b ) or permanent removal if unverifiable. 

III. LEGAL BASIS & PRIOR COMPLAINTS I have previously submitted complaints to the CFPB and FTC concerning these issues : CFPB Complaint No. : XXXX ( XX/XX/XXXX ) FTC Report XXXX : XXXX, XXXX, XXXX, XXXX, XXXX The above complaints cover : Unauthorized name variations ( FCRA 607 ( b ) ) Illegal re-aging ( FCRA 605 ( a ) ) Failure to conduct timely dispute investigations ( FCRA 611 ) Inaccurate debt reporting by third-party collectors ( FCRA 623 ( a ) ( 1 ) ( A ) ) FDCPA violations involving debt misrepresentation and unauthorized reporting ( FDCPA 807, 809 ) You are required by law to verify all disputed accounts. If you can not verify these entries within 30 days, they must be permanently removed per FCRA 1681i ( a ). 

IV. ENCLOSURES Enclosed are the following documents to support my dispute : A copy of my TransUnion credit report ( XX/XX/XXXXXXXX  ) Copy of government-issued photo ID Utility bill for address verification CFPB and FTC complaint confirmations Supporting exhibits for each disputed account V. REQUESTED ACTIONS Immediately delete any inaccurate names not matching XXXX XXXX XXXX . 

Remove or correct all listed disputed tradelines. 

Send an updated credit report and reinvestigation results within 30 days. 

Cease unauthorized or unverifiable reporting going forward. 

Failure to comply may result in formal legal action under FCRA 616 and 617 for damages, including the submission of a claim in Georgia state court.

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