Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following significant data breaches, including those by XXXX XXXX XXXX and XXXX, my personal information was exposed, leading to identity theft. Starting in XX/XX/year>, my credit report was impacted by several unauthorized inquiries and the opening of a business account, which I did not consent to. Entities such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX were involved, and an unauthorized business line of credit was charged off as bad debt with a balance of {$650.00} by XX/XX/year>. 

I have already supplied Transunion with the proper documentation!! They are using this unable to locate credit report-dispute request as a tactic to slow this process and I am not going for it at all. 

All of the complaints has been forwarded to the federal lawyers for review. 


I have submitted disputes to all major credit bureausTransUnion, XXXX, and XXXX while the other bureaus have removed the unauthorized information, TransUnion has failed to conduct a thorough investigation. This ongoing delay has forced me to contact the XXXX XXXX XXXX and pursue legal action under the Fair Credit Reporting Act ( FCRA ). Per the FCRA, as outlined in the provided attachment, TransUnion is required to remove or correct unverifiable information, which has yet to happen despite several attempts to resolve the issue. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumers have several key rights to ensure the accuracy, fairness, and privacy of their credit information. Specifically, this law mandates that : Credit reporting agencies must investigate disputes regarding inaccurate or incomplete information on a consumers credit report. They are typically required to resolve such disputes within 30 days. 
Inaccurate, incomplete, or unverifiable information must be corrected or deleted from the consumers credit report. If the information can not be verified within the legally required timeframe, it must be removed. 
Consumers have the right to know what is in their file and can request a free credit report once every 12 months from each of the major credit bureaus. 
Consumers must be informed if information in their credit file is used against them in applications for credit, employment, or insurance. 
Consumers have the right to take legal action against credit reporting agencies or creditors that violate the FCRA, including seeking damages for violations. 

In my case, TransUnion has failed to properly investigate and resolve multiple disputes regarding unauthorized accounts and inquiries on my credit report. Despite providing all required documentation and initiating disputes, these inaccuracies have not been corrected, in violation of FCRA ( 15 U.S.C. 1681 ). Therefore, I am now pursuing legal action to protect my rights and restore the accuracy of my credit report.

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