Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against TRANSUNION XXXXI am a victim of malpractice and broken laws based on the XXXX lawsuit against TRANSUNION .XXXXAnd Im also filling this complaint due to XXXX repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, XXXX  has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies XXXX  continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or XXXX data mishandling.XXXXAccounts Reported in Violation of Federal LawXXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX XXXX XXXX  Failure to investigate identity theft (FCRA  1681c-2)XXXXAccounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct   TRANSUNION Lawsuit Reference This is not isolated. The CFPB filed suit against TRANSUNION in January 2025 (Case 8:25-cv-00024) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same\nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

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