Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
On XX/XX/XXXX, I initially reported fraud on my consumer credit files. I encountered major suffering and great loss, and my credit reports were affected, I had filed an FTC report as well as a local police report for Identity theft. My credit file has since been then flooded with a multitude of errors to include accounts that don't belong to me and are suspicious. I draw special attention to my Experian credit file, every consumer reporting agency, specifically, Transunion, Equifax, and Experian has shared all these negative entries, are unjustly, being stubborn and insisting that the reported information is accurate, when in fact, none of the major 3 above mentioned agencies have shown written proof of verification which I requested to show me documentation of verification, not just using " e-Oscars '' or some 3rd party web based information repository platform as a verification method, and giving me a generic response, in the mail thinking XXXX going to settle, and this matter will " go-away ''. I have repeatedly asked for the information to be removed, Im a victim of fraud, and to this day, Im still dealing with the effects of my identity being stolen and fraudulently used. My federal rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 are clearly being violated. These reportings of negative remarks is causing ongoing harm to my financial reputation and subjecting me to undue prejudice in my ability to obtain credit. I addressed the matter of the 6 credit inquiries held on Experian, different AKA 'S, and name variations, addresses, and a current XXXX XXXX XXXX account, that is mine showing 4 delinquent payments. Those 4 are to be reported as Data not available, and not missed-payments Experian is showing the name : " XXXX XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX as an account I never owned, 28 entries of : " XXXX XXXX XXXX '', 6 unauthorized credit inquiries, a public record entry of bankruptcy, and AKA 's to include : XXXX XXXX XXXX XXXX A XXXX, and XXXX XXXX XXXX addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On Transunion, the report is similar in nature. A public record showing : XXXX XXXX XXXX XXXX XXXX under account number : XXXX, Adverse Information to include the same as Experian 28 accounts of : XXXX under accounts : XXXXXXXX XXXX XXXX XXXX XXXX, and many others to include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department of EducationXXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 4 unauthorized credit inquiries to include : The XXXX on XX/XX/XXXX, XXXX Innovative funding on : XX/XX/XXXX, and XXXX XXXX on : XX/XX/XXXX. Equifax is reporting similar accounts to include : XXXX XXXX XXXX XXXX on account number : XXXX, showing 4 months of late payments, a multitude of entries of : XXXX XXXX with accounts : XXXX, and a bankruptcy reporting : Case number : XXXX. Ive exhausted all remedies with the reporting agencies asking for the removal of these accounts and information mentioned above that are not verified, and to promptly remove it from my file. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). The credit reporting agencies have not provided the Method of Verification more than 3 requested times including the name, address, and telephone number of each furnisher contacted and a description of the procedures used. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

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