Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning. Here is a clear and professional CFPB complaint statement rewritten against Experian, Equifax, and TransUnion, while keeping all legal citations and making it appropriate for the CFPB narrative box. 

CFPB COMPLAINT STATEMENT AGAINST EXPERIAN, EQUIFAX, AND TRANSUNION My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. After obtaining my credit reports through XXXX, I discovered multiple inaccuracies in both account reporting and personal identifying information. 

I submitted a formal dispute requesting a full reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This dispute also included a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. I provided sufficient identifying documentation and lawfully authorized a third party to submit the dispute on my behalf. Despite this, the credit bureaus have failed to comply with their legal obligations.

The disputed accounts are reporting inaccurate and or unverifiable information. If any part of a tradeline including balance, status, payment history, remarks, or date opened can not be verified, the credit bureaus are required to delete the information under 15 U.S.C. 1681i ( a ) ( 5 ). This has not been done.

The credit bureaus are in violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) for failing to conduct a reasonable and good faith reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) for failing to provide a clear and complete method of verification To date, I have not been provided with the method of verification, including the procedures used, the names and contact information of the furnishers contacted, or the documentation relied upon to verify the disputed information. 

In addition, the credit bureaus continue to report outdated, incorrect, or unverifiable personal information in my credit file. Under the FCRA, they are required to maintain accurate identifying information. I requested removal of all incorrect identifiers and retention of only the following accurate information : Full Name : XXXX XXXX Date of Birth : XX/XX/year> SSN Last 4 : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX The credit bureaus were required to complete their reinvestigation within 30 days under 15 U.S.C. 1681i ( a ) and to provide the method of verification within 15 days under 15 U.S.C. 1681i ( a ) ( 7 ). These deadlines have not been met. I also requested that all responses be sent by mail only, yet my instructions were disregarded.

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