Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
Subject : Formal Complaint FCRA Violations, Identity Theft Mishandling, Inaccurate Credit Reporting, and Non-Compliance by Credit Bureaus Summary of Complaint : I am filing a formal complaint against the XXXX nationwide credit reporting agenciesTransUnion, XXXX XXXX XXXXfor repeated and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting legitimate documentation to support that I am a victim of identity theft, including FTC Identity Theft Reports and a police report, the bureaus have failed to comply with the law. 

They have continued reporting fraudulent tradelines, an inaccurate bankruptcy, and conflicting personal data, all of which severely impact my credit, financial well-being, and privacy. 

Key FCRA Violations Identified : 605B Failure to block fraudulent information after identity theft documentation was submitted.

607 ( b ) Failure to maintain maximum possible accuracy of consumer reports.

611 Failure to conduct a lawful reinvestigation of disputed items.

611 ( a ) ( 5 ) ( B ) Unauthorized reinsertion of deleted information without proper notice.

611 ( a ) ( 7 ) Refusal to provide Method of Verification ( MOV ) upon written request.

605C Failure to remove accounts related to trafficking or coercion ( where applicable ).

1681b ( c ) Reporting unauthorized hard inquiries without permissible purpose.

Examples of Inconsistent and Potentially Fraudulent Reporting : XXXX XXXX  Account number formatting differs across all bureaus. 

Conflicting dates opened, dates last active, and payment history. 

Different balances, credit limits, and comments. 

Status ranges from " resolved '' to " still in dispute. '' XXXX XXXX Different balances reported. 

Last payment date reported by XXXX bureau but not the others. 

XXXX XXXX XXXX or partial account numbers. 

Credit limits and charge-off dates inconsistent. 

XXXX bureau shows canceled, another shows charged off, another shows under reinvestigation. 

XXXX Reported as " open '' by XXXX bureau and " derogatory '' by another. 

Missing entirely from XXXX bureau. 

XXXX XXXX ( XXXX BANK XXXX ) Missing entirely from XXXX bureau ( TransUnion ). 

High credit and limits not matching across reports. 

Dispute statuses inconsistent. 

XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX ) Only reported by Experian, no listing on TransUnion or Equifax. 

No full contractual details disclosed. 

Other Serious Issues : My credit reports reflect unauthorized hard inquiries that I did not initiate or authorize. 

I have received dark web breach alerts and evidence of unauthorized change-of-address attempts. 

I submitted documentation showing my bankruptcy was improperly reinserted without notification, violating 611 ( a ) ( 5 ) ( B ).

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