Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint against Experian ( and also TransUnion in a separate complaint ) for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct proper investigations and failure to remove inaccurate, unverifiable, and unauthorized information from my credit report. 

I am also including Equifax in partonly regarding their continued reporting of an account with XXXX XXXX and several unauthorized inquiries. I acknowledge that Equifax correctly removed XXXX previously disputed accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX ), showing a standard of investigation that the other bureaus have failed to meet. 

Disputed Accounts : XXXX XXXX XXXX ( Installment Account # : XXXX ) XXXX XXXX XXXX ( Collection Account # : XXXX ) XXXX XXXX ( Open Account # : XXXX ) Disputed Hard Inquiries ( Unauthorized across all bureaus ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple entries ) XXXX XXXX XXXX XXXX XXXX Other unknown inquiries listed on all reports I did not authorize these inquiries and have not been provided signed applications or permissible purpose despite formally requesting them in my dispute. 

My Actions Taken : I submitted written disputes through the CFPB portal on : XX/XX/XXXX Initial dispute with legal citations and attached evidence XX/XX/XXXX Follow-up with proof of inconsistencies between reports I specifically asked for : Full method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Contact info of furnishers Copies of all documents used to verify these items Response Summaries : Equifax : XXXX XXXX and XXXX Verified XXXX but didnt provide documents Refused to remove inquiries but stated they included contact info in the mailed credit file Experian : Provided no response to my written dispute through the CFPB It has now been over 30 daysthis violates FCRA 611 ( a ) ( 1 ) Continues reporting unverified accounts ( XXXX, XXXX, XXXX ) without explanation TransUnion ( not part of this complaint, but included for context ) : Sent a generic verification response Provided no XXXX  or supporting documents Failed to remove or explain any of the unauthorized hard inquiries Violations of Law : These actions violate the following : FCRA 611 failure to investigate and respond within 30 days FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) failure to provide MOV and supporting documents FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 604 no proof of permissible purpose for hard inquiries FTC Complaint Filed : On XX/XX/XXXX, I filed a formal complaint with the Federal Trade Commission regarding these ongoing FCRA violations. I am attaching the report to this complaint for your reference.

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