Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This formal complaint is filed to compel the Consumer Reporting Agencies ( CRAs ) Equifax, Experian, and TransUnionto immediately and permanently delete all inaccurate, commingled, and fraudulent Personal Identifying Information ( PII ) from my consumer reports. 

The rampant failure of the CRAs to maintain a distinct and accurate file demonstrates a catastrophic breach of their statutory duties under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly FCRA 607 ( b ), which requires maximum possible accuracy. The reporting of these false identifiers has caused file mixing, resulting in the unlawful attachment of other disputed tradelines and measurable emotional and financial damages.

I. INACCURATE AND FRAUDULENT PII TO BE IMMEDIATELY DELETED I demand the IMMEDIATE DELETION of all information listed below from ALL THREE CRAs ( Equifax, Experian, and TransUnion ). This PII is either fraudulent, incorrect, or unverified, and its continued presence violates federal law : A. INACCURATE ALIASES, FORMER, AND MISSPELLED NAMES ( VIOLATES FCRA 607 ( b ) ) : All of the following names are incorrect, fraudulent aliases, or misspellings and must be deleted from my file : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Former and Also Known As entries ) The variation XXXX XXXX ( listed as incorrect ) B. FRAUDULENT AND INCORRECT PREVIOUS ADDRESSES ( VIOLATES FCRA 607 ( b ) & 611 ) : All of the following addresses are inaccurate, outdated, or fraudulent entries that must be immediately deleted. The continued reporting of these PII entries, particularly multiple variations of the same street address, proves a willful failure of verification procedures : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX The miscategorized current address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX INCORRECT EMPLOYER DATA ( VIOLATES FCRA 607 ( b ) ) : The following employment entries are invalid, outdated, and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEMAND FOR DELETION AND LEGAL WARNING The continued reporting of this demonstrably false PII following this formal dispute constitutes a clear violation of your duty to reinvestigate under FCRA 611 and shows a conscious disregard for the consumer 's rights. This misconduct exposes you to substantial liability.

Deletion is the Only Remedy : I demand the permanent deletion of all specified PII. Suppression, coding as disputed, or any other action short of permanent deletion is unacceptable and will be deemed noncompliance.

Legal Ultimatum : Your failure to immediately correct and delete this commingled and inaccurate data will be treated as evidence of willful noncompliance under the FCRA. This will immediately trigger the filing of a civil action seeking : Statutory and Punitive Damages under 15 U.S.C. 1681n. 

Damages for Emotional Distress and Defamation caused by the unlawful publication of false information.

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