Consumer complaint received 2025-09-04 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: DC

Complaint narrative:
b'Formal Complaint Against TransUnion & Equifax\nI am submitting this complaint because both TransUnion and Equifax have failed to honor my dispute rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  XXXX, despite me following every proper step and providing full documentation.\nTimeline of My ActionsXXXX XXXX XXXX  I mailed my Identity Theft Affidavit, a copy of my government-issued ID, and a copy of my Social Security card via USPS Certified Mail.\n\n\nTracking Numbers: TransUnion (XXXX XXXX XXXX XXXX XXXX), Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  confirmed delivery to Equifax.XXXX XXXX XXXX XXXX  confirmed delivery to TransUnionXXXX XXXX XXXX  I called both bureaus and began my verbal disputes.XXXX XXXX XXXX, XXXX   I made multiple follow-up calls to both bureaus, yet each time they acted as if no dispute had ever been started, forcing me to repeat the process.\n\n\nTransUnion Calls & Reference NumbersXXXX XXXX XXXX  Rep: XXXX   Ref: XXXX  Rep: XXXX   Ref: XXXX  Rep: XXXX  Ref: XXXX  Rep: XXXXEquifax Calls & Reference NumbersXXXX  Ref: XXXX  Ref: XXXX  (initially filed on XXXX  Rep: XXXX  Ref: XXXX   Supervisor: XXXX (ID: XXXXViolations of the Law\nBoth bureaus blatantly violated the FCRA and ignored their legal duties as consumer reporting agencies:\nFailure to Properly Investigate Disputes  15 U.S.C.  1681i(a)(1)(A)\n\n\nCRAs must conduct a reasonable reinvestigation within 30 days. My disputes were ignored or restarted repeatedly.\n\n\nFailure to Consider and Use Supporting Documentation  15 U.S.C.  1681i(a)(2)(B)\n\n\nI submitted an Identity Theft Affidavit, ID, and SSN card with proof of delivery. These were falsely claimed to be not received or illegible.\n\n\nFailure to Delete Unverified Information  15 U.S.C.  1681i(a)(5)\n\n\nFraudulent inquiries and accounts remained, despite being disputed and unverifiable.\n\n\nFailure to Provide Proper Notice of Results  15 U.S.C.  1681i(a)(6)\n\n\nNo proper outcome letters were sent within the required 5 business days.\n\n\nWillful & Negligent Noncompliance  15 U.S.C.  1681n, 1681o\n\n\nBy deliberately stalling, disregarding my evidence, and refusing to process my disputes, both bureaus caused me actual harm.\n\n\nHarm and Damages\nBecause of these violations:\nI have been denied housing opportunities while trying to provide a stable home for my family.\n\n\nI have suffered emotional distress, frustration, and anxiety from being forced to repeat disputes that should have been handled correctly the first time.\n\n\nMy time and money were wasted in repeatedly calling, mailing certified letters, and chasing compliance from the bureaus.\n\n\nThis has caused both financial and emotional damages directly tied to their unlawful handling of my disputes.'

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