Consumer complaint received 2025-10-23 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: HI

Complaint narrative:
I am filing this complaint against TransUnion LLC for continuing to report inaccurate and compromised tradelines that have already been deleted by both XXXX  and XXXX following verified investigations under the Fair Credit Reporting Act ( FCRA ). After TransUnions XXXX  data breach, my TransUnion credit report still shows multiple XXXX XXXX XXXX XXXX accounts and other negative items that have been confirmed as deleted by the other nationwide consumer reporting agencies. 

The following accounts remain on my TransUnion file despite verified deletions elsewhere : a XXXX XXXX XXXX XXXX XXXX loan ending in XXXX, a secured credit card ending in XXXX, and another XXXX XXXX account ending in XXXX all of which were confirmed deleted by XXXX  and XXXX. Additionally, my XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) account ending in XXXX and my XXXX XXXX personal loan ending in XXXX were also deleted by XXXX, yet TransUnion continues to list them with derogatory or charge-off remarks. These tradelines were not only removed from the other bureaus systems, but also cited by XXXX as being deleted in connection with recent data security breach findings. 

TransUnions continued reporting of these unverifiable and inconsistent accounts violates multiple provisions of the FCRA, including 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy, 611 ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable information, and 605B, which prohibits re-reporting of credit data compromised through breaches without consumer authorization. Because the same tradelines have been deleted by the other nationwide CRAs, TransUnions continued reporting demonstrates negligence or willful non-compliance with its federal obligations. 

I am requesting that the CFPB compel TransUnion to immediately delete all inaccurate and unverifiable tradelines listed above, provide written confirmation of deletion, and supply a full description of the verification procedures used to justify their continued reporting. I also request that TransUnion send corrected reports to all parties who have accessed my credit file within the past six months.

If TransUnion fails to comply within thirty ( 30 ) days of this complaint, I will initiate civil legal action under FCRA 616 and 617 for negligent and willful violations and file additional complaints with my State Attorney General and the Federal Trade Commission ( FTC ). 

I am attaching evidence showing that XXXX  and XXXX have already removed these accounts from their systems, including : My XXXX report dated XX/XX/year>, confirming deletion of XXXX XXXX accounts ending in XXXX, XXXX, and XXXX ; and My XXXX  report dated XX/XX/year>, confirming deletion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), and XXXX XXXX accounts. 

TransUnions failure to remove the same items, despite clear evidence and breach implications, continues to harm my creditworthiness and violates the FCRAs requirements for fair and accurate consumer reporting. I respectfully request CFPB intervention to enforce full compliance and require TransUnion to delete these accounts immediately.

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