Consumer complaint received 2025-06-16 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: KY

Complaint narrative:
Dear CFPB, I am filing a formal complaint against TransUnion LLC for their persistent failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my credit report disputes. As a confirmed victim of the XXXX XXXX  data breach, I have faced significant issues, including fraudulent accounts and inaccurate personal information, which TransUnion has failed to address despite my repeated efforts. 
Background and Challenges Faced I submitted an initial dispute on XX/XX/XXXX, via first-class mail, identifying 33 inaccurate items on my credit report ( File Number : XXXX ), supported by identification. I followed up with letters on XX/XX/XXXX ( delivered XX/XX/XXXXXXXX  ) and XX/XX/XXXXXXXX  ( delivered XX/XX/XXXXXXXX  ), via certified mail, demanding action. On XX/XX/XXXX, I received an interim CFPB response stating TransUnion is still working on my issue, which does not address their FCRA violation. As of today, 52 days have passed since my initial dispute, exceeding the 30-day period ( expired XX/XX/XXXX ) and 45-day period ( expired XX/XX/XXXXXXXX  ) under 15 U.S.C. 1681i ( a ) ( 1 ). 
These inaccuracies, linked to the XXXX  data breach, have caused substantial distress and potential harm due to identity theft, including an unauthorized inquiry. 
FCRA Violations TransUnions conduct violates the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable investigation within 30-45 days.
15 U.S.C. 1681i ( a ) ( 2 ) : No evidence of notifying furnishers within 5 business days.

15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Requirement to delete disputed items due to noncompliance.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy. 
15 U.S.C. 1681g ( c ) : Imposing unreasonable barriers, as noted in their XX/XX/XXXX, letter. 
Context of XXXX  Settlement The systemic issues with credit reporting agencies are underscored by XXXX {$15.00} XXXX settlement with the CFPB, addressing failures to handle disputes and ensure accuracyissues mirrored by TransUnions actions here. 

The following 33 items, identified in my XX/XX/XXXX, demand letter, remain unresolved on my credit report ( File Number : XXXX ) : XXXX. Incorrect personal information : XXXX XXXX XXXX. Incorrect personal information : Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX. Unauthorized inquiry : XXXX  XXXX ( XX/XX/XXXX ) XXXX. Unverified account : XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX XXXX, Account Number XXXX XXXX. Unverified account : XXXX XXXX, Account XXXX XXXX XXXX. Unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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