Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up because my prior dispute is not identical to this one. This complaint now includes new facts and ongoing harm that were not addressed previously.

First, both XXXX and TransUnion have suffered recent data breaches, exposing consumer Social Security numbers, account information, and other sensitive identifiers. Because of these breaches, I can not have confidence that the information in my credit file is reliable or belongs to me. Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of credit reports. Allowing questionable or unverifiable items to remain following repeated breaches constitutes a violation of that duty.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), both XXXX  and TransUnion must conduct a reasonable reinvestigation whenever a consumer disputes information. A data breach is new, material evidence that directly undermines the reliability of reporting, and therefore requires fresh review. 

Second, the loan company in question has a history of prematurely furnishing inaccurate negative information to the credit bureaus : I submitted an in-school deferment form while enrolled, which the company accepted. 
Initially, I was told deferment would be honored. Later, the company reversed its position, refused to apply deferment, and still reported derogatory information to the credit bureaus. 
This behavior constitutes inaccurate reporting and has harmed my credit profile. 

Such conduct violates : FCRA 623 ( 15 U.S.C. 1681s-2 ) furnishers must not report information they know or should know is inaccurate, and must correct/update disputed information. 
FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Congress recognized that inaccurate reporting harms consumers.

Potentially Truth in Lending Act ( TILA ) and the Consumer Financial Protection Act ( Dodd-Frank, 12 U.S.C. 5536 ), which prohibit unfair, deceptive, or abusive acts or practices ( UDAAP ).

Requested Resolution I respectfully request that the CFPB ensure : 1. XXXX and TransUnion immediately conduct new reinvestigations in light of their breaches. 
2. The loan company remove any premature or inaccurate negative reporting tied to my deferment status.

3. Any items that can not be fully verified as accurate and legitimate be deleted from my reports.

4. Written confirmation be provided detailing corrective actions taken.

The combined effect of repeated credit bureau breaches and improper loan company reporting has left me exposed to both identity fraud and inaccurate credit harm. Both the credit bureaus and the furnisher have clear obligations under the FCRA and related consumer protection laws, which have not been met. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX 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 explanation