Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because TransUnion has repeatedly failed to correct fraudulent and inaccurate information on my credit file, despite more than five attempts, multiple disputes, and prior CFPB complaints. This issue has now been ongoing for years and is causing serious damage to my credit, blocking my ability to secure housing and financial stability. 
My name is XXXX XXXX XXXX. My identity has been compromised ( dark-web alert from XX/XX/year> ). Since then, my TransUnion file has repeatedly shown information that does NOT belong to me, including : Wrong names Wrong addresses Wrong phone numbers Unauthorized hard inquiries A fraudulent {$620.00} collection from XXXX XXXX  , which has appeared under different names and dates over time I have submitted my ID, Social Security card, proof of address, screenshots, and a prior affidavit. I have done everything TransUnion has asked me to do. Despite this, the same inaccurate items keep appearing in different parts of their system.

During one call, a TransUnion agent told me that multiple inquiries were deleted. This was false. They were still reporting. On another call, an agent claimed they had no file or no record related to my dispute or CFPB complaint. This is also false, because I continue to receive emails from TransUnion stating that they are working on my case and sending me secure messages.

TransUnion also emailed me confirming that the {$620.00} collection was deleted, and my credit score increased to reflect that deletion. However, different views of my TransUnion report ( including the online portal and third-party apps ) still show the collection or related data. This inconsistency creates confusion and proves that TransUnion has not fully or properly updated my file.

I have attempted to resolve this directly with TransUnion more than five times. Each time, I receive inconsistent answers, incomplete updates, or inaccurate statements about what has been removed. TransUnions handling of my disputes has been unprofessional, misleading, and harmful.

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation ( 15 USC 1681i ), delete inaccurate or unverifiable information ( 15 USC 1681c-2 ), and ensure furnishers comply with verification requirements ( 15 USC 1681s-2 ). They have not done this.

The continued presence of fraudulent information on my TransUnion report is preventing me from obtaining housing, applying for credit, and moving forward in life. This is causing real financial damage and emotional distress. I am doing everything correctly, but TransUnions failure to correct my file keeps putting me in the same situation over and over again.

I am requesting the CFPBs assistance to require TransUnion to : Permanently delete the fraudulent {$620.00} XXXX collection and any related account data.

Remove all inaccurate personal information, including old names, old addresses, and phone numbers that do not belong to me.

Delete all unauthorized hard inquiries that I did not initiate.

Correct all inconsistent reporting between the secure messages, email updates, consumer portal, and internal system.

Provide a complete written list of every item that was deleted and every item they claim to have verified, including how it was verified.

Properly document and handle my identity theft concerns in full compliance with the FCRA.

I have attached a new sworn affidavit and supporting documents ( ID, Social Security card, bill/proof of address, screenshots, and previous dispute evidence ). I am simply asking TransUnion to correct my file, stop providing inconsistent information, and stop allowing fraudulent data to remain attached to my identity.

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