Consumer complaint received 2025-10-17 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:
CFPB COMPLAINT CREDIT REPORTING / IDENTITY THEFT / INACCURATE INFORMATION Category : Credit reporting or credit repair services Incorrect information on your report Summary of Issue Multiple credit bureaus and specialty consumer reporting agencies are reporting inaccurate and unverifiable information on my consumer files. These errors are directly affecting my ability to obtain credit and business funding. Despite prior disputes, several tradelines and inquiries remain inconsistent across bureaus, contain late-payment coding errors, or were reinserted without proper certification or 5-day notice in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Details of the Complaint Cross-Bureau Inconsistencies : Accounts such as educational loans ( e.g., XXXX/DOFED ) and revolving/collection accounts ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) are reporting conflicting balances, dates, payment statuses, and comments across TransUnion, Experian, and Equifax. These discrepancies violate FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to conduct a reasonable reinvestigation ).

Late-Payment and Charge-Off Defects : Several tradelines show OK months within the same period marked as 90/120-day late or charge-off, violating Metro 2 Code 162. Furnishers failed to provide ledger-level proof or DOFD documentation to support these lates. These errors misrepresent account performance and creditworthiness. 

Unauthorized/Improper Inquiries : Multiple hard inquiries were made without proper permissible purpose or documented authorization under FCRA 604 . The credit bureaus have failed to provide signed consent records, timestamps, or IP/device logs for these inquiries despite formal MOV requests. 

Identity Theft Indicators : Due to prior identity theft reports, I requested deletion or blocking of affected items under FCRA 605B. Some bureaus failed to block disputed tradelines or continued reporting items reinserted after deletion without notice, violating 611 ( a ) ( 5 ) ( B ).

Improper Reinsertion and Lack of Verification : Certain accounts previously deleted have been reinserted without the required 5-day written notice or furnisher certification. No Method of Verification was provided explaining how the data was validated. 

Failure to Correct Specialty/Secondary Files : Errors also exist in specialty consumer databases such as XXXX and XXXX XXXX, which are being used by lenders and banks for identity verification and business-loan decisions. These bureaus were properly disputed, but no confirmation of correction or deletion has been received. 

Regulations Violated FCRA 604, 607 ( b ), 609 ( a ), 611, 605A, 605B 15 U.S.C. 1681 et seq. 

Metro 2 Compliance Guidelines ( Codes 112, 162 )

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