Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
This letter serves as a formal complaint against TransUnion, which I am submitting due to their repeated and willful violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as other federal consumer and civil rights laws. I have made numerous attempts to resolve these issues with TransUnion directly, but they have continued to ignore, dismiss, or inadequately respond to my disputes. These actions have not only caused ongoing damage to my credit and financial well-being, but also obstructed my ability to participate fully and fairly in the credit market.

Summary of Issues : 1. TransUnion continues to report fraudulent accounts and inquiries that do not belong to me, despite being provided with : * My FTC Identity Theft Report * Police reports * Government-issued ID * Proof of address * Written disputes requesting removal 2. TransUnion repeatedly re-inserts fraudulent accounts after temporary removals, without proper notice or reinvestigation.

3. My personal identifying information ( e.g., name, date of birth, and current address ) has been inaccurately reported or omitted altogether, severely impairing my ability to apply for financial products or verify my identity.

4. TransUnion has made it nearly impossible to reach a representative, leading to unresolved disputes and further frustration.

5. TransUnion has failed to respond directly to me, choosing instead to only respond when I escalate the issue to the CFPB.

Violations of the Fair Credit Reporting Act ( FCRA ) : TransUnion is in direct violation of multiple sections of the FCRA ( 15 U.S. Code 1681 et seq. ), including but not limited to the following : Section 1681i Failure to Conduct Proper Reinvestigation " If the completeness or accuracy of any item of information contained in a consumer 's file is disputed ..., the agency shall conduct a reasonable reinvestigation ... '' * TransUnion has failed to reasonably reinvestigate accounts I have disputed.

* They continue to reinsert fraudulent items without explanation or notification ( see also Section 1681i ( a ) ( 5 ) ( B ) ).

Section 1681c-2 Block of Information Resulting from Identity Theft " A consumer reporting agency shall block the reporting of any information in the file ... that the consumer identifies as resulting from identity theft. '' * Despite providing the required documentation ( FTC report, police report, and identity documents ), TransUnion has refused to block or permanently remove fraudulent accounts and inquiries, as required under this section.

Section 1681e ( b ) Failure to Maintain Maximum Possible Accuracy " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy ... '' * TransUnion has repeatedly allowed inaccurate personal information to appear on my report, including incorrect or missing name, date of birth, and addresses.

Section 1681g Right to Access and Information Disclosure " Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file. '' * TransUnion has not properly disclosed all items or changes made to my file, especially in cases where reinserted accounts appear without warning.

Section 1681i ( a ) ( 6 ) ( B ) ( iii ) Reinserted Information Notification If information is reinserted, the agency must notify the consumer in writing within 5 business days.

* TransUnion has reinserted fraudulent accounts without providing the legally required notice, denying me a chance to respond or take corrective action.

Civil Rights and Consumer Protection Violations : In addition to FCRA violations, TransUnion 's actions may also violate my rights under : Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 The ECOA prohibits discrimination in any aspect of a credit transaction.

* By misreporting my identity, mixing addresses, omitting my date of birth, and refusing to fix errors that prevent me from applying for credit, TransUnion is contributing to discriminatory access to financial opportunities.

Consumer Financial Protection Act 12 U.S. Code 5531 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

* TransUnions failure to communicate, resolve disputes, and correct inaccurate reporting constitutes unfair and abusive conduct under this statute.

Civil Rights Act of 1964 ( Title VI ) While not traditionally applied to credit reporting agencies, systematic barriers to accessing financial systems due to inaccurate identity reporting can rise to the level of a civil rights violation if such practices result in disparate impact or exclusion.

Conclusion : I have exhausted all options in dealing with TransUnion directly and have suffered financially, emotionally, and professionally due to their negligence. I request the CFPBs immediate intervention to protect my rights and to ensure TransUnion complies with all applicable consumer protection laws.

I have included copies of all supporting documents, including : * FTC Identity Theft Report Please acknowledge receipt of this complaint and inform me of any next steps required. 

Sincerely, XXXX XXXX

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