Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX, TX XXXX\nXXXX\nXXXXXXXX\nXXXX\nDate: XXXX2025\n\nTo:\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX\nXXXX, DC XXXX\nor submitted via: https://www.consumerfinance.gov/complaint/\n\nSubject: Formal Dispute and Complaint Against Credit Bureaus for Reporting Inaccurate/Unverifiable Collection Accounts\n\nTo Whom It May Concern,\n\nI am filing this formal dispute and complaint with the Consumer Financial Protection Bureau regarding the failure of the credit reporting agencies (Experian, TransUnion, and Equifax) to remove inaccurate, outdated, and/or unverifiable collection accounts from my credit reports in violation of the Fair Credit Reporting Act (FCRA).\n\nI have previously disputed the following collection accounts directly with the credit bureaus, but they continue to remain on my credit file despite being inaccurate, incomplete, or unverified. Under 15 U.S.C.  1681i, credit bureaus are required to conduct a reasonable investigation and delete any information that cannot be verified within 30 days. They have failed to comply with this obligation.\n\nThe collection accounts listed below do not meet FCRA accuracy standards, and either:\n\nAre not mine\n\nAre the result of identity theft or errors\n\nWere not properly validated by the data furnisher\n\nHave missing or inaccurate information\n\nAre reporting past the legal statute of limitations for reporting negative information (7 years for most items under 15 U.S.C.  1681c)\n\nAccounts in Question:\n\n XXXX XXXX XXXX Account #XXXX Reason: Not mine/No validation\n\nDEPT OF ED/XXXX  Account #XXXX XXXX \nReason: No validation \n\nXXXX XXXX XXXX   Account #XXXX  Reason: Not mine/No validation\n\nXXXX XXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX   Account#XXXX Reason: No validation\n\nXXXX XXXX XXXX XXXX  Account#XXXX Reason: No validation\n\nXXXX XXXX  Account#XXXX  Reason: No validation\n\nI am requesting immediate removal of these accounts from my credit reports and a thorough investigation into the credit bureaus practices regarding these entries. I have attached supporting documentation, including:\n\n\nIdentification and proof of address\n\n\nThis matter has caused significant harm to my credit standing and financial well-being. If these items are not permanently removed and this matter not resolved swiftly, I will consider escalating further with legal counsel and filing a formal complaint with the Federal Trade Commission (FTC) and State Attorney General.\n\nPlease investigate and respond accordingly. I expect a response within the timeframe required by law.\n\nSincerely,\nXXXX XXXX XXXX\n\nAttachments:\n\nGovernment-issued ID\n\nUtility bill or lease (proof of address)'

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