Consumer complaint received 2025-11-02 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: NV

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the national credit reporting agencies ( Experian, Equifax, and TransUnion ) for their failure to investigate, block, and delete fraudulent information from my credit file, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My personally identifiable information ( PII ) was compromised in a verified data breach, resulting in the fraudulent opening of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX account in my name without my knowledge or authorization. XXXX. Disputed Account Information Creditor / Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Identity Theft / Fraudulent Account This account does not belong to me, and I never authorized, opened, or benefited from it in any way.Experian P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Demand for Reinvestigation and Verification of Credit Inquiries Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Dear Experian, This letter serves as a formal response to your recent correspondence regarding inquiries appearing on my consumer credit file. Your explanation that Experian generates the information listed in the inquiry section from its own business records, which it has verified as accurate, does not satisfy your statutory obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

As a national consumer reporting agency, Experian has a legal duty to maintain accuracy, verify disputed data, and ensure that all information reported is supported by lawful permissible purpose certifications. Your failure to provide proof of permissible purpose for each disputed inquiry constitutes a direct violation of multiple provisions of federal law, as outlined below. 

XXXX. Failure to XXXX a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes the accuracy or completeness of any item on their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
A blanket statement that Experian verified its own records as accurate is not a reinvestigationit is a refusal to perform your statutory duty. 

Furthermore, XXXX ( a ) ( XXXX ) mandates that Experian provide notification of the dispute to any furnisher of the disputed information within XXXX business days. You must then review and consider all relevant information provided by the consumer in the reinvestigation process, pursuant to 1681i ( a ) ( 4 ).

If you are unable to verify the disputed information with documentation from the original source, you must promptly delete it from the consumers file under 1681i ( a ) ( 5 ) ( A ). 

XXXX. XXXX Obligations Under 1681e ( b ) Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. 
This includes verifying the legitimacy of inquiries before including them in a consumer file. Merely relying on Experians internal data without confirming the existence of a certified permissible purpose from each requester does not meet the maximum possible accuracy standard. 

Failure to maintain reasonable procedures constitutes negligent noncompliance under XXXX, and willful noncompliance under XXXX. 

XXXX. Permissible Purpose Requirements 1681b Under 15 U.S.C. 1681b ( a ), Experian XXXX only furnish a consumer report to a person or entity that has a permissible purpose expressly allowed by the XXXX. 
Permissible purposes include, but are not limited to : A credit transaction initiated by the consumer ( 1681b ( a ) ( 3 ) ( A ) ) ; Employment purposes ( 1681b ( a ) ( 3 ) ( B ) ) ; Underwriting of insurance ( 1681b ( a ) ( 3 ) ( C ) ) ; Determination of eligibility for a government license or benefit ( 1681b ( a ) ( 3 ) ( D ) ) ; A legitimate business need in connection with a transaction initiated by the consumer ( XXXX ( a ) ( XXXX ) ( F ) ) ; or Court orders or subpoenas ( XXXX ( a ) ( XXXX ) ). 

Under XXXX ( f ), any consumer reporting agency that furnishes a report to a person without a permissible purpose is in violation of federal law. Experian is legally obligated to ensure and maintain documentation proving that each company who accessed my file certified in writing to Experian that it had a permissible purpose under the law. 

I hereby request that Experian provide the following : The full name, address, and contact information of each entity that initiated an inquiry on my credit file ; The specific permissible purpose under XXXX ( a ) that each entity certified to Experian ; and The method and date each certification was obtained by Experian. 

If you can not provide this documentation, the inquiries must be deleted immediately as unverifiable per 1681i ( a ) ( 5 ) ( A ). 

XXXX. Identity Theft and Blocking of Information Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. If these inquiries were initiated without my authorization, Experian must block and remove them within XXXX business days of receiving : Proof of my identity, A copy of an identity theft report, and My identification of the information to be blocked. 

Failure to block and delete unauthorized information violates 1681c-2 ( b ) and exposes Experian to liability under 1681n and 1681o.

5. Disclosures and Transparency Requirements Per 15 U.S.C. 1681g ( a ) ( 1 ), Experian is required to provide to the consumer all information in the consumers file at the time of the request. This includes the sources of information, the identities of persons who procured a consumer report, and all permissible purpose certifications under 1681b ( a ).

Failure to provide this documentation upon request is a separate violation of 1681g. 

XXXX. XXXX XXXX for XXXX XXXX Experian fail to comply with these obligations, the following liability provisions apply : 1681n Willful noncompliance subjects Experian to actual damages, punitive damages, and attorneys fees ; 1681o Negligent noncompliance subjects Experian to actual damages and attorneys fees ; 1681q It is a federal offense to knowingly and willfully obtain information from a consumer reporting agency under false pretenses. 

XXXX. Demand for Reinvestigation and Documentation I hereby demand that Experian : Conduct a complete reinvestigation of all disputed inquiries within 30 days pursuant to XXXX ( a ) ( XXXX ) ( A ) ; Provide documented proof of the permissible purpose certifications for each inquiry under XXXX ( a ) ; Delete any inquiry that can not be verified through documentation directly from the requesting entity ; and Provide a written summary of the results, including the names and contact information of all entities contacted during your reinvestigation, within the time frame allowed by law. 

If Experian fails to provide the required documentation or continues to report unverifiable inquiries, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX Attorney XXXX XXXX, and to consider legal action for statutory, actual, and punitive damages under 15 U.S.C. 1681n1681o. 

Please note that any continued reporting of unverifiable or unauthorized inquiries will be considered willful noncompliance with the FCRA and XXXX subject Experian to civil liability. 

Thank you for your prompt attention to this matter. I expect full compliance with the above-referenced statutes and a complete reinvestigation within XXXX calendar days from your receipt of this letter. 

Sincerely,

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