Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint against TransUnion concerning their continued failure to remove and correct inaccurate information on my credit reports. Despite my repeated efforts to address these inaccuracies, this Credit Bureau has failed to take corrective action, thereby violating the Fair Credit Reporting Act ( FCRA ) and causing undue harm to my credit standing. 

The inaccuracies in question include, but are not limited to : Incorrect Addresses : The presence of undeliverable addresses that I do not and have never resided at, which remain on my credit report despite requests for their removal. 

Incorrect Contact Information : Phone numbers listed in my credit file that are not associated with me have not been removed, despite multiple notifications of their inaccuracy. 

Old Employers : Previous employers that no longer reflect my current or most recent employment status continue to appear on my credit report, and I have requested their removal without success. 

Inaccurate Variations of My Name : Inaccurate variations of my name have been linked to accounts opened in my name as a result of identity theft, which the Credit Bureaus continue to report despite being provided with supporting documentation to dispute the information. 

I have taken the following steps to resolve this matter prior to submitting this complaint : On multiple occasions, I have contacted each Credit Bureau by phone, requesting the correction and removal of this inaccurate information. 
I have sent certified mail with supporting documentation to each Credit Bureau, requesting that these errors be corrected in accordance with FCRA guidelines. Despite these efforts, the inaccurate information continues to be reported. 

The continuous reporting of incorrect personal information, undeliverable addresses, and variations of my name associated with fraudulent accounts have caused significant harm to my credit score and personal credibility. This constitutes a clear violation of the Credit Bureaus ' duty to ensure accurate reporting and failure to properly investigate and correct inaccuracies as required under FCRA, 15 U.S.C. 1681i. 

I respectfully request that the Consumer Financial Protection Bureau take immediate action to : Investigate the failure of TransUnion to comply with their legal obligations under FCRA. 
Require this Credit Bureau to remove the incorrect addresses, undeliverable addresses, inaccurate phone numbers, old employers, and variations of my name associated with fraudulent accounts. 
Ensure the correction of my personal information across all credit reports held by these agencies. 

Please acknowledge receipt of this complaint and inform me of the steps that will be taken to resolve these violations of the FCRA.

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