Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DENTITY THEFT I have reported several data breach and fraud incidents to the Federal Trade Commission that have resulted in unauthorized access and use of my financial and personal information. I have recently discovered that several of my accounts were hacked leading to multiple fraudulent attempts to make purchases, additionally, do to the rising concern of the many data breaches that has transpired over the last several months, I am taking precautionary measures to protect my identity moving forward by reporting the fraudulent activity I am experiencing. Furthermore, I did not authorize, nor permit such use nor activity in regard to my personal information. I am filing a COMPLAINT against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, complies with federal law and provides with the necessary proof of investigation. Furthermore, according to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ) that an identity theft report has been filed ; Response to Equifaxs Reply : Equifaxs response does not adequately address my dispute. The response provided is GENERIC AND COMPUTER GENERATED and does not specifically address the inaccurate information I requested to be removed. Failure to Conduct a Meaningful Investigation Equifax claims to have " completed its investigation '' but does not provide any details about the investigation process, the furnishers contacted, or the evidence reviewed. Simply stating that an investigation was conducted does not satisfy the Fair Credit Reporting Act ( FCRA ) requirements. EQUIFAX CONTINUES TO IGNORE THE FCRA AND CFPB LAWS GOVERNED BY THE FEDERAL GOVERNMENT REGARDING ITS CONSUMER. EQUIFAX CONSISTANTLY COMMIT CONSUMER FRAUD AGAINST CONSUMERS, HENCE BEING ONE OF THE REASONS THE CFPB HAS SUED THEM FOR LYING ABOUT INVESTIGATION OF A DISPUTE. THIS BEHAVIOR HAS BECOME HABITUAL ON EQUIFAX BEHALF. THERE HAS BEEN NO INVESTIGATION PERFORMED AND ALL RESPONSE ARE AI COMPUTER GENERATED. EQUIFAX HAS BECOME COMPLACENT WITH LITTLE TO NO REPREMAND FOR THE CONSISTANT WAY THEY DO BUSINESS ON THE CONSUMERS BEHALF IN THEIR HANDLING AND RESPONSE TO DISPUTES. EQUIFAX TIME IS UP AND HAS EXPIRED, ONCE AGAIN THEYVE USED THEIR 30DAY RESPONSE WINDOW TO SEND A COMPUTER GENERATED RESPONSE. I AM DEMANDING IMMEDIATE DELETION OF ALL DEROGATORY ACCOUNTS THAT ARE ON MY CREDIT FILE. IF THIS BEHAVIOR OF BREAKING THE LAW AND CONSTANTLY VIOLATING MY CONSUMER RIGHTS PERSIST I WILL HAVE PURSUE LEGAL ACTION. Failure to Address the Disputed Information My complaint specifically requested the removal of inaccurate and derogatory information from my credit file. Equifax has not clarified why the disputed items remain, nor have they provided any documentation verifying the accuracy of these accounts. Request for Immediate Action DELETION OF ALL DEROGATORY ACCOUNTS! If Equifax continues to disregard my rights under the FCRA, I will escalate this matter further, including legal action if necessary. I request a prompt response with clear and specific details regarding my dispute.

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