Consumer complaint received 2026-02-09 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: PA

Complaint narrative:
I am filing this complaint because XXXX  Experian and TransUnion have continued to report inaccurate unverifiable contradictory and compromised information on my consumer credit reports despite multiple disputes and clear notice of serious reporting defects. My personal identifying information was impacted by the XXXX  data breach and the XXXX XXXX XXXX exposure which placed all credit reporting agencies on actual notice that any information associated with my identity requires heightened verification and stricter scrutiny before it can be lawfully published or maintained. Instead of applying those heightened standards the bureaus continued to rely on automated processes and furnisher responses while publishing information that is internally inconsistent impossible under Metro 2 reporting rules and incapable of verification. 

One of the primary issues involves the XXXX auto loan account. This account is being reported with a repossession status while simultaneously reflecting an active installment balance past due amounts and ongoing payment activity. These representations can not legally or logically exist at the same time under federal reporting standards. The account shows conflicting balances last activity dates and payment history across bureaus which proves the data is unreliable and not being independently verified. I previously disputed these contradictions yet the bureaus failed to correct or delete the account and continued reporting it causing ongoing harm to my credit profile. 

Another issue involves the XXXX account which is being reported inconsistently across bureaus with conflicting balances different past due amounts inconsistent payment histories and contradictory account status descriptions. It is not possible for multiple materially different versions of the same account to all be accurate at the same time. These discrepancies demonstrate that the information is unreliable and unverifiable. Despite repeated disputes the bureaus have continued to publish these conflicting versions instead of removing the account as required by law. 

In addition to inaccurate account reporting the bureaus continue to report incorrect personal identifying information that does not belong to me and has never belonged to me. This includes false addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX as well as incorrect name variations including XXXX XXXX XXXX and XXXX XXXX XXXX. These identifiers were repeatedly disputed yet remain associated with my credit file without verification. The continued reporting of false personal identifiers creates a significant risk of mixed credit files identity misattribution and further financial harm especially given my confirmed data breach exposure. 

Overall the credit bureaus failed to conduct reasonable lawful reinvestigations failed to maintain maximum possible accuracy and continued to publish information that is contradictory incomplete and compromised. Their actions have damaged my creditworthiness limited my access to fair credit opportunities and exposed me to ongoing risk of identity related harm.

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