Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
CFPB COMPLAINT Systemic Inaccurate Public-Record Reporting, Failure to Investigate, and Data Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additional Companies Notified : Equifax XXXX XXXX XXXX TransUnion LLC Experian XXXX XXXX XXXX XXXX. 


CONSUMER INFORMATION Consumer : XXXX XXXX XXXX XXXX XXXX Consumer Number : XXXX Address : XXXX, California Email : XXXX SUMMARY OF COMPLAINT This complaint concerns systemic inaccuracies in bankruptcy public-record reporting, selective and inconsistent reinvestigation outcomes, and failure to disclose verification procedures after express invitation, involving XXXX XXXX XXXX XXXX XXXX XXXX public-records furnisher and data reseller, and Equifax, TransUnion, and Experian XXXX XXXX reporting XXXX that continue to publish conflicting and inaccurate information. 

XXXX has admitted in writing that bankruptcy petition data associated with my consumer file was inaccurate and required correction. Despite this admission and subsequent reinvestigation activity, the inaccurate records remain published inconsistently across CRAs, and XXXX has failed to provide the statutorily required disclosure of procedures, sources, and audit logs after expressly inviting such a request. 

This complaint documents ongoing violations of the Fair Credit Reporting Act ( FCRA ) and establishes regulatory notice and attribution for all parties involved. 


PARTIES AND ATTRIBUTION XXXX XXXX XXXX XXXX is the source and reseller of XXXX data at issue and has acknowledged its role as a data seller to consumer reporting agencies. 

Equifax, TransUnion, and Experian continue to publish disputed bankruptcy information while identifying XXXX as the source, resulting in inconsistent and irreconcilable reporting outcomes across bureaus. 

FACTUAL BACKGROUND XXXX. Multiple bankruptcy petitions associated with my identity were dismissed, not XXXX. 

XXXX. XXXX admitted in writing that petition information previously reported was inaccurate and required correction. 

XXXX. Despite this admission : Equifax currently reports XXXX ( XXXX ) bankruptcy petitions TransUnion and Experian continue to report XXXX ( XXXX ) bankruptcy petitions XXXX. Equifax explicitly identifies XXXX as the source of the public-record data, while other CRAs continue publishing conflicting information derived from the same source. 

XXXX. XXXX issued written correspondence explicitly advising that, under the FCRA, I XXXX request : A description of verification procedures Identification of furnishers contacted Notification of deletions or corrections XXXX. I formally exercised those rights through XXXX portal and by email. 

XXXX. XXXX has failed to disclose : XXXX procedures XXXX entities XXXX logs Timestamps Re-verification records XXXX. During this period, I received a mortgage denial, constituting concrete financial harm directly linked to inaccurate public-record reporting. 


ADDITIONAL PARTIES NOTIFIED Equifax XXXX XXXX XXXX, TransUnion LLC, and Experian XXXX XXXX XXXX XXXX are included in this complaint due to their continued publication of inaccurate bankruptcy public-record data after notice, despite identifying XXXX XXXX XXXX XXXX XXXX XXXX source of such data. 

This complaint preserves claims and regulatory notice as to all parties involved in the dissemination, verification, reinvestigation, and republication of the disputed information. 


LEGAL VIOLATIONS XXXX XXXX XXXX XXXX. 

Violations include, but are not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose procedures used to determine accuracy 15 U.S.C. 1681a ( f ) Acting as a consumer reporting agency/data reseller 15 U.S.C. 1681n Willful noncompliance ( post-admission conduct ) Consumer Reporting Agencies Violations include : 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681e ( b ) Continued publication of known inaccuracies XXXX on a furnisher that has admitted prior inaccuracy REGULATORY CONCERNS This matter presents systemic risk due to : Inconsistent public-record reporting from a single source Failure to disclose verification methodologies Selective correction across CRAs Post-notice continued dissemination Concrete consumer harm ( mortgage denial ) RELIEF REQUESTED I request that the CFPB : XXXX. Investigate XXXX public-record verification procedures and reseller practices XXXX. Require disclosure of all verification methods, sources, and audit logs XXXX. Investigate CRA reliance on disputed XXXX data XXXX. Require correction or deletion of all inaccurate public-record entries XXXX. Preserve all records relating to my consumer file XXXX. Take appropriate supervisory or enforcement action XXXX XXXX Indicators & XXXX XXXX This complaint presents multiple indicators warranting heightened supervisory and enforcement review. 

XXXX XXXX XXXX XXXX has acknowledged in writing that bankruptcy public-record information associated with my consumer file was inaccurate and required correction. Despite that admission, inconsistent bankruptcy counts continue to appear across consumer reporting agencies sourced from XXXX data. Equifax currently reports XXXX ( XXXX ) bankruptcy petitions, while Experian and TransUnion report XXXX ( XXXX ), demonstrating unresolved data integrity failures. 

XXXX further advised me, in writing, of my statutory right under the Fair Credit Reporting Act to request a description of the procedures used to determine accuracy and completeness, including identification of furnishers contacted. I formally exercised those rights. XXXX has failed to provide the required procedural disclosures, audit logs, or verification methodology as required by 15 U.S.C. 1681i ( a ) ( 7 ). 

During the period of inaccurate public-record reporting and non-disclosure, I suffered a documented mortgage denial, constituting concrete financial harm directly tied to the continued reporting of erroneous bankruptcy data. 

XXXX has also admitted it operates as a data reseller supplying public-record information to consumer reporting agencies, subjecting it to heightened accuracy, reinvestigation, and disclosure obligations under 15 U.S.C. 1681a ( f ), 1681e ( b ), and 1681i.

These facts demonstrate systemic non-compliance, continuing harm, and regulatory exposure extending beyond an isolated dispute CERTIFICATION I certify under penalty of perjury under the laws of the United States that the information contained in this complaint is true and correct to the best of my knowledge. 

Submitted : XX/XX/year> Location : XXXX, California 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