Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by Experian on my credit report, without providing me the opportunity to dispute the debts, as is my right under the Fair Credit Reporting Act ( FCRA ), as required by 12 CFR 1006.34 ( d ) ( 3 ). Despite this, Experian has proceeded to place the following accounts on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This omission denies me the opportunity to verify the accuracy of the debts allegedly owed. Furthermore, I have not been afforded the opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 

Experian has also resorted to false, misleading, and deceptive practices in its reporting efforts, thereby violating my consumer rights. Such unethical conduct undermines the integrity of the credit reporting and debt collection process and causes undue distress to consumers. 

Moreover, Experian lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill its obligations under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s2 ( a ) ( 7 ) ( A ), Experian is flagrantly disregarding consumer protection statutes.

I did not receive any notice from the above-listed creditors or debt collectors providing me the opportunity to dispute the validity of these debts within 30 days, as required by law. 

Additionally, I have attempted to submit supporting documentation proving that my information was compromised in the Equifax data breach and that I am a victim of identity theft. These incidents have caused significant harm to my credit score and have resulted in considerable financial and emotional stress. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter, as I believe these accounts were reported without adherence to proper legal procedures. Furthermore, I respectfully request that Experian remove these accounts from my credit report and cease all collection efforts immediately. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

XXXX XXXX

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