{"took":75,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":106,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13050999","_score":22.434494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am filing this complaint against TransUnion for its failure to properly resolve a dispute concerning an inaccurate account from XXXX XXXX ( Account # XXXX XXXX XXXX ) XXXX XXXX  and the reporting of incorrect personal information ( inaccurate names ) tied to my credit file. \n\nOn XX/XX/XXXX, I formally disputed this account and the associated name inaccuracies with TransUnion. On XX/XX/XXXX, TransUnion responded that there was wrong information about this item and other items on your report, and they claimed the information had been updated. However, the account remains on my credit report, is still reporting negative information, and is continuing to hurt my credit score. \n\nThis is unacceptable under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure that all data is complete, accurate, and verifiable. If TransUnion found inaccuracies, the appropriate resolution would be the removal of the accountnot just an update that still reflects flawed or misleading data. \n\nAdditionally, my credit file still contains incorrect variations of my name, which I included in my original dispute and explicitly requested be removed. TransUnion failed to address this part of my dispute. \n\nI request the CFPB to investigate TransUnions failure to correct and remove this account and the inaccurate personal information. I am asking for full deletion of the XXXX XXXX account due to its inconsistent and harmful reporting, and for all inaccurate names to be permanently removed from my credit file.","date_sent_to_company":"2025-04-17T18:36:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17104","tags":null,"has_narrative":true,"complaint_id":"13050999","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-17T17:47:26.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am <em>filing</em> this <em>complaint</em> against <em>TransUnion</em> for its <em>failure</em> to properly resolve a dispute concerning an inaccurate account from XXXX XXXX ( Account # XXXX XXXX XXXX ) XXXX XXXX  and the <em>reporting</em> of incorrect personal information ( inaccurate names ) tied to my credit <em>file</em>. \n\nOn XX/XX/XXXX, I formally disputed this account and the associated name inaccuracies with <em>TransUnion</em>."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[22.434494,"13050999"]},{"_index":"complaint-public-v1","_id":"14470652","_score":21.995018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. \nWrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. \nViolation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.\n\nNarrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.\n\nViolation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.\n\nNarrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. \nViolation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. \nNarrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. \nViolation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.\n\nNarrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. \nViolation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.\n\nNarrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. \nViolation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. \nNarrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. \nViolation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. \nNarrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. \nViolation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.\n\nNarrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. \nViolation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.\n\nNarrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.","date_sent_to_company":"2025-07-04T14:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"14470652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-04T14:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> : <em>TransUnion</em> 's <em>failure</em> to align with federal guidance during the pandemic has led to false <em>reporting</em> and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB <em>complaint</em> due to <em>TransUnions</em> ongoing <em>failure</em> to fulfill its legal obligations under the FCRA and related consumer protection laws."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[21.995018,"14470652"]},{"_index":"complaint-public-v1","_id":"10795594","_score":20.410013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, XXXX, and TransUnion to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. \n\nI requested a detailed method of verification for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. \n\nThe accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : XXXX. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. \nXXXX. A full disclosure of the vendors and third-party entities used in the verification process. \nXXXX. Legal assurances that these inaccurate items will not reappear on my credit file. \n\nI trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.","date_sent_to_company":"2024-11-14T21:01:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"10795594","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T21:01:32.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> : I am submitting this <em>complaint</em> due to persistent <em>failures</em> by XXXX, XXXX, and <em>TransUnion</em> to address inaccuracies related to identity theft on my credit <em>report</em>. Despite <em>filing</em> an FTC Identity Theft Affidavit and a police <em>report</em> ( XXXX XXXX. XXXX ), the bureaus continue to <em>report</em> fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.410013,"10795594"]},{"_index":"complaint-public-v1","_id":"16879506","_score":19.885868,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion and Experian are erroneously reporting information that should not be reported. I have sent several disputes that never get resolved due to the inaction of Transunion and Experian. XXXX has been the only entity that has completed all my disputes in the correct manner. I will include a letter from XXXX XXXX XXXX XXXX that shows that this account was satisfied and should not be reflected on my account as delinquent. \n\nCFPB Complaint : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX : TransUnion Company 2 : Experian 2. Product/Service Credit reporting , credit repair, or other services 3. Issue Problem with a credit reporting companys investigation Sub-issue : Investigation didnt fix an error on your report 4. Complaint Narrative Account Information : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Desired Outcome : Complete deletion of this account from my credit report. \n\nDetailed Narrative : This complaint is filed against TransUnion and Experian for their repeated failure to conduct a reasonable investigation into an inaccurate and unverified account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The furnisher of this information is XXXXXXXX XXXX, with the underlying debt serviced by XXXX XXXX XXXX. \n\nHistory of Disputes and Lack of Verification : I have disputed this account with both TransUnion and Experian on multiple occasions ( over 3 times each ), beginning on or about XX/XX/year>. In my disputes, I specifically requested that the Credit Reporting Agencies ( CRAs ) provide the verification documents used by the furnisher ( XXXX XXXX XXXX to substantiate the accuracy of this debt. To date, neither TransUnion nor Experian has provided any verifiable documentation for my inspection. This failure to provide proof of verification constitutes a violation of my rights under the FCRA. \n\nEvidence of Inaccuracy and Discharge of Debt ( UCC Strict Foreclosure ) : The account is factually inaccurate and misleading, especially in light of recent actions by the servicer. I am attaching a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, titled Notification of Proposal to Accept Collateral in Satisfaction of Debt ( UCC Strict Foreclosure ). \n\nThis letter explicitly states : We propose to accept your Membership in satisfaction of the balance, and the obligations due from you to us will be deemed discharged as a result.\n\nThis proposal, which I have not objected to, is a form of strict foreclosure under the Uniform Commercial Code ( UCC ). Once the collateral ( the Membership/Vacation Credits ) is accepted, the debt is legally discharged and satisfied.\n\nThe FCRA Violation : The continued reporting of this account as an active, outstanding, or delinquent debt by both TransUnion and Experian is a clear violation of the FCRA for the following reasons : 1. Failure to Verify ( 15 U.S.C. 1681i ) : The CRAs have failed to provide any documentation proving the accuracy of the account, despite multiple requests. \n2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : The account status is inaccurate because the debt has been satisfied and discharged ( or is in the process of being discharged ) via the UCC strict foreclosure process. The account should be immediately updated to reflect a XXXX balance and a status of Account Closed/Satisfied or Debt Discharged. \n3. Furnisher Violation ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, XXXX XXXX XXXX has failed to properly investigate my disputes and has continued to furnish information that is materially inaccurate and misleading to the CRAs, specifically failing to report the UCC strict foreclosure and subsequent discharge of the debt.\n\nRequest for Relief : I demand that TransUnion and Experian immediately delete this account entirely from my credit reports. Their repeated failure to conduct a reasonable investigation and their continued reporting of this inaccurate and unverified account, especially given the attached evidence of debt discharge, is causing me significant financial harm. \n\nI will be pursuing all available remedies, including litigation, if this account is not deleted immediately. \n\n\n5. Attachment ( Included Is the Collateral in Satisfaction of Debt","date_sent_to_company":"2025-10-28T16:53:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95829","tags":"Servicemember","has_narrative":true,"complaint_id":"16879506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-28T16:05:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Detailed <em>Narrative</em> : This <em>complaint</em> is <em>filed</em> against <em>TransUnion</em> and Experian for their repeated <em>failure</em> to conduct a reasonable <em>investigation</em> into an inaccurate and unverified account, in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681i. The furnisher of this information is XXXXXXXX XXXX, with the underlying debt serviced by XXXX XXXX XXXX."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[19.885868,"16879506"]},{"_index":"complaint-public-v1","_id":"16869742","_score":19.885868,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion and Experian are erroneously reporting information that should not be reported. I have sent several disputes that never get resolved due to the inaction of Transunion and Experian. XXXX has been the only entity that has completed all my disputes in the correct manner. I will include a letter from XXXX XXXX XXXX XXXX that shows that this account was satisfied and should not be reflected on my account as delinquent. \n\nCFPB Complaint : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX : TransUnion Company 2 : Experian 2. Product/Service Credit reporting , credit repair, or other services 3. Issue Problem with a credit reporting companys investigation Sub-issue : Investigation didnt fix an error on your report 4. Complaint Narrative Account Information : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Desired Outcome : Complete deletion of this account from my credit report. \n\nDetailed Narrative : This complaint is filed against TransUnion and Experian for their repeated failure to conduct a reasonable investigation into an inaccurate and unverified account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The furnisher of this information is XXXXXXXX XXXX, with the underlying debt serviced by XXXX XXXX XXXX. \n\nHistory of Disputes and Lack of Verification : I have disputed this account with both TransUnion and Experian on multiple occasions ( over 3 times each ), beginning on or about XX/XX/year>. In my disputes, I specifically requested that the Credit Reporting Agencies ( CRAs ) provide the verification documents used by the furnisher ( XXXX XXXX XXXX to substantiate the accuracy of this debt. To date, neither TransUnion nor Experian has provided any verifiable documentation for my inspection. This failure to provide proof of verification constitutes a violation of my rights under the FCRA. \n\nEvidence of Inaccuracy and Discharge of Debt ( UCC Strict Foreclosure ) : The account is factually inaccurate and misleading, especially in light of recent actions by the servicer. I am attaching a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, titled Notification of Proposal to Accept Collateral in Satisfaction of Debt ( UCC Strict Foreclosure ). \n\nThis letter explicitly states : We propose to accept your Membership in satisfaction of the balance, and the obligations due from you to us will be deemed discharged as a result.\n\nThis proposal, which I have not objected to, is a form of strict foreclosure under the Uniform Commercial Code ( UCC ). Once the collateral ( the Membership/Vacation Credits ) is accepted, the debt is legally discharged and satisfied.\n\nThe FCRA Violation : The continued reporting of this account as an active, outstanding, or delinquent debt by both TransUnion and Experian is a clear violation of the FCRA for the following reasons : 1. Failure to Verify ( 15 U.S.C. 1681i ) : The CRAs have failed to provide any documentation proving the accuracy of the account, despite multiple requests. \n2. Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : The account status is inaccurate because the debt has been satisfied and discharged ( or is in the process of being discharged ) via the UCC strict foreclosure process. The account should be immediately updated to reflect a XXXX balance and a status of Account Closed/Satisfied or Debt Discharged. \n3. Furnisher Violation ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, XXXX XXXX XXXX has failed to properly investigate my disputes and has continued to furnish information that is materially inaccurate and misleading to the CRAs, specifically failing to report the UCC strict foreclosure and subsequent discharge of the debt.\n\nRequest for Relief : I demand that TransUnion and Experian immediately delete this account entirely from my credit reports. Their repeated failure to conduct a reasonable investigation and their continued reporting of this inaccurate and unverified account, especially given the attached evidence of debt discharge, is causing me significant financial harm. \n\nI will be pursuing all available remedies, including litigation, if this account is not deleted immediately. \n\n\n5. Attachment ( Included Is the Collateral in Satisfaction of Debt","date_sent_to_company":"2025-10-28T16:53:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95829","tags":"Servicemember","has_narrative":true,"complaint_id":"16869742","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-28T16:53:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Detailed <em>Narrative</em> : This <em>complaint</em> is <em>filed</em> against <em>TransUnion</em> and Experian for their repeated <em>failure</em> to conduct a reasonable <em>investigation</em> into an inaccurate and unverified account, in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C. 1681i. The furnisher of this information is XXXXXXXX XXXX, with the underlying debt serviced by XXXX XXXX XXXX."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.885868,"16869742"]},{"_index":"complaint-public-v1","_id":"16227740","_score":19.721113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Draft CFPB Complaint Subject : TransUnion False Investigation Results, Failure to Delete Accounts, and Improper Closing of Complaints Complaint Narrative : I am filing this complaint against TransUnion for knowingly furnishing false investigation results and refusing to comply with the Fair Credit Reporting Act ( FCRA ).\n\nThis is NOT a duplicate complaint. My prior complaints are : # XXXX ( filed XX/XX/2025 ) # XXXX ( filed XX/XX/2025 ) The CFPB has repeatedly marked my follow-up complaints as duplicate or closed, despite new evidence showing that TransUnion continues to publish false and unverifiable information.\n\nFacts : 1. In Complaint # XXXX, TransUnion claimed on XX/XX/2025 that multiple accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc . ) were deleted. 2. As o\nf XX/XX/2025 and continuing to this day, these same accounts are still reporting on my TransUnion file. Screenshots proving this fact are attached. \n\n\n3. TransUnion provided false investigation results in violation of : FCRA 611 ( a ) ( 1 ) ( A ) ( C ), 15 U.S.C. 1681i requiring a reasonable reinvestigation.\n\nFCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ) requiring disclosure of the method of verification.\n\nFCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 prohibiting furnishers from knowingly reporting inaccurate information.\n\nFCRA 607 ( b ), 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy.\n\nMy Requests : 1. Immediate deletion of every account TransUnion previously reported as deleted, and assurance that they will not be reinserted into my credit report under FCRA 611 ( a ) ( 5 ) ( B ).\n\n2. A detailed explanation of how TransUnion conducted its investigation, including : What documents were reviewed, Who was contacted, and What evidence was used to decide these accounts were mine.\n\nSimply stating verified or parroting the furnisher is not compliance with FCRA.\n\n3. The CFPB must stop closing my complaints automatically simply because TransUnion responded. A company response does not equal resolution, especially when their response is demonstrably false. Closing my complaints without enforcement action allows TransUnion to avoid accountability and continue violating federal law.\n\n4. I request that the CFPB hold TransUnion accountable for repeated false statements to both me and to the Bureau, which undermines the integrity of the complaint process.\n\nConclusion : I demand that TransUnion be compelled to permanently delete the accounts they previously claimed were deleted, disclose their method of verification in full detail, and stop engaging in deceptive reinvestigation practices.\n\nAttachments : Screenshots showing the accounts still present after TransUnion claimed deletion.","date_sent_to_company":"2025-09-28T19:30:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"16227740","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-28T19:15:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Draft CFPB <em>Complaint</em> Subject : <em>TransUnion</em> False <em>Investigation</em> Results, <em>Failure</em> to Delete Accounts, and Improper Closing of <em>Complaints</em> <em>Complaint</em> <em>Narrative</em> : I am <em>filing</em> this <em>complaint</em> against <em>TransUnion</em> for knowingly furnishing false <em>investigation</em> results and refusing to comply with the Fair Credit <em>Reporting</em> Act ( FCRA ).\n\nThis is NOT a duplicate <em>complaint</em>."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.721113,"16227740"]},{"_index":"complaint-public-v1","_id":"14390337","_score":19.26118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against TransUnion for reporting inaccurate, outdated, and unverifiable information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 and related federal regulations. TransUnion has continuously reported incorrect, incomplete, and legally non-compliant data despite my efforts to request investigation and correction. I have detailed the problematic items below, including the account, account number ( partially redacted ), and the legal basis for this complaint. \n\nXXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$3200.00} Status : Charge-Off * * This account is inaccurately reported as a charge-off. I dispute the validity, balance accuracy, and the reporting status. No proper validation of debt has been provided to confirm this tradeline. The furnisher has failed to comply with 15 U.S. Code 1681s-2 ( a ) by not ensuring maximum possible accuracy prior to reporting and after receiving a notice of dispute. TransUnion has violated its obligation under 15 U.S. Code 1681i ( a ) to reinvestigate disputed information within 30 days, as I submitted my dispute but received no lawful resolution. This entry has caused serious damage to my credit profile and has created barriers in obtaining fair credit. \nIssue : Inaccurate charge-off status, failure to verify debt, balance discrepancy Violations : FCRA 1681s-2 ( a ) Duty of data furnishers to provide accurate information FCRA 1681i ( a ) Failure to reinvestigate and delete unverifiable information FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy Narrative : I have contacted TransUnion regarding the inaccurate charge-off status of this account and have requested proper investigation and documentation that validates the reporting, including original creditor information, itemization of debt, and proof of authorization to report. No such documentation has been provided. Reporting such an account without verification has caused irreparable damage to my creditworthiness. It has prevented me from securing necessary lines of credit and has caused emotional distress, financial difficulty, and reputational harm. I believe this information is either obsolete, unverifiable, or incomplete and should not continue to appear on my credit report. \nFinal Request : I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate TransUnion for the above violations. I am requesting the immediate deletion or correction of all inaccurate, unverifiable, obsolete, and unauthorized entries, including the account listed, the incorrect addresses, and the unauthorized inquiry. TransUnions failure to comply with federal consumer protection laws has caused me significant and measurable harm. \nI am also requesting that CFPB enforce appropriate penalties and ensure TransUnion updates its policies and practices in compliance with FCRA mandates. \nThank you for your time and assistance in this matter. I can provide supporting documentation if required.","date_sent_to_company":"2025-07-01T17:26:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48223","tags":null,"has_narrative":true,"complaint_id":"14390337","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-01T17:20:57.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to <em>file</em> a formal <em>complaint</em> against <em>TransUnion</em> for <em>reporting</em> inaccurate, outdated, and unverifiable information on my consumer credit <em>file</em> in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ), 15 U.S.C 1681 and related federal regulations. <em>TransUnion</em> has continuously <em>reported</em> incorrect, incomplete, and legally non-compliant data despite my efforts to request <em>investigation</em> and correction."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.26118,"14390337"]},{"_index":"complaint-public-v1","_id":"15236624","_score":19.003252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"1. What is your complaint about?\n\nCredit reporting improper handling of account, inaccurate information, illegal re-aging, and failure to investigate disputes.\n\n2. Name of the company you are complaining about : TransUnion LLC XXXX XXXX XXXX XXXX 3. What happened? ( Complaint Narrative ) I am filing this complaint against TransUnion and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit Reporting Act ( FCRA ). \n\nThe account XXXX XXXX XXXX No. XXXX XXXX XXXX has been illegally reported and mishandled in the following ways : 1. Repeated monthly reporting of Charge Off for years, constituting illegal re-aging prohibited under FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This creates the false impression of ongoing delinquency.\n\n2. Improperly updating the Date Closed to make the account stay on my credit report longer than legally allowed, in violation of FCRA, 15 U.S.C. 1681c ( a ).\n\n3. Incorrect Date Opened listed, which alters the legally allowed reporting period.\n\n4. Simultaneous monthly reporting as both Collection and Charge Off, which is inaccurate and misleading.\n\n5. The account is past the 7-year reporting limit for negative items under FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) and should have been deleted.\n\n6. TransUnion has ignored my previous disputes and failed to conduct a proper investigation within the required 30 days under FCRA, 15 U.S.C. 1681i ( a ).\n\nThis is a clear case of deceptive and harmful credit reporting practices that must be addressed immediately.\n\n4. What do you think would be a fair resolution to your issue? ( Desired Resolution ) Immediate and permanent deletion of this account from all of my credit reports. \nInvestigation and enforcement action against TransUnion for illegal re-aging, altering account dates, and ignoring dispute obligations.\n\nAssurance that these harmful practices will not be repeated with other consumers.\n\n5. Supporting documents you can attach : Copies of recent credit reports showing the repeated monthly Charge Off and altered dates.\n\nRecords of disputes submitted to TransUnion. \nAny correspondence from XXXX XXXX XXXX or TransUnion regarding this account.","date_sent_to_company":"2025-08-12T13:06:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"15236624","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-12T13:05:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["What is your <em>complaint</em> about?\n\nCredit <em>reporting</em> improper handling of account, inaccurate information, illegal re-aging, and <em>failure</em> to <em>investigate</em> disputes.\n\n2. Name of the company you are complaining about : <em>TransUnion</em> LLC XXXX XXXX XXXX XXXX 3. What happened? ( <em>Complaint</em> <em>Narrative</em> ) I am <em>filing</em> this <em>complaint</em> against <em>TransUnion</em> and XXXX XXXX XXXX for ongoing and serious violations of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nThe account XXXX XXXX XXXX No."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[19.003252,"15236624"]},{"_index":"complaint-public-v1","_id":"19114316","_score":18.580921,"_source":{"product":"Debt collection","complaint_what_happened":"File this on the CFPB portal first. This triggers federal oversight and forces a documented, timely response from both companies. Under \" product, '' choose \" Credit reporting '' and then \" Credit reporting company '' to target TransUnion. \n\nSubject : Formal Complaint : Willful FCRA Violations by TransUnion and XXXX XXXX XXXX XXXX - Reporting of Fabricated \" Not Mine '' Collection Account Narrative : I am filing a formal complaint regarding egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX and TransUnion. \n\nXXXX. The Core Violation - Reporting a Fabricated Debt : XXXX XXXX XXXX XXXX is reporting a collection account on my TransUnion credit file. This debt is not mine. I have no knowledge of this alleged obligation, never received services, never signed any contract, and never received any validation notice from XXXX XXXX. They have furnished fundamentally inaccurate information in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ). \n\nXXXX. TransUnion 's Failure to Conduct a Reasonable Reinvestigation : By reporting this account, TransUnion has failed its duty under FCRA 1681i to maintain reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ). A basic review would show this account does not belong to me. Their automated systems constitute a \" sham investigation, '' a practice the CFPB has penalized in recent actions against other bureaus. \n\nXXXX. The \" Reinsertion '' & \" Re-Aging '' Threat ( If Applicable ) : If this account was ever deleted and came back, ADD this paragraph : This account was previously deleted from my file after a prior dispute. Its reappearance without the mandatory XXXX notice required by FCRA 1681i ( a ) ( 5 ) ( B ) is an illegal reinsertion. Furthermore, the dates on the reinserted account appear altered ( \" re-aged '' ), illegally extending the reporting period in violation of FCRA 1681c ( a ). This pattern constitutes willful non-compliance.","date_sent_to_company":"2026-01-29T21:23:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"11222","tags":null,"has_narrative":true,"complaint_id":"19114316","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-01-29T21:16:53.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> : Willful FCRA Violations by <em>TransUnion</em> and XXXX XXXX XXXX XXXX - <em>Reporting</em> of Fabricated \" Not Mine '' Collection Account <em>Narrative</em> : I am <em>filing</em> a formal <em>complaint</em> regarding egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit <em>Reporting</em> Act ( FCRA ) by XXXX XXXX XXXX XXXX and <em>TransUnion</em>. \n\nXXXX."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.580921,"19114316"]},{"_index":"complaint-public-v1","_id":"15716382","_score":18.442919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, XXXX, XXXX, and Transunion Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. \n\nConflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. \n\nDate Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. \n\nOngoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. \n\nI have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. \n\nResolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.","date_sent_to_company":"2025-09-04T19:02:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"15716382","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-04T19:00:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau <em>Reporting</em> XXXX XXXX, XXXX, XXXX, and <em>Transunion</em> Issue XXXX Inaccurate Credit <em>Reporting</em> / <em>Failure</em> to Conduct Reasonable <em>Investigation</em> Details of <em>Complaint</em> : I am <em>filing</em> a <em>complaint</em> regarding the XXXX account ending in XXXX, which appears on my XXXX credit <em>report</em>. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.442919,"15716382"]},{"_index":"complaint-public-v1","_id":"17031056","_score":18.204096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17031056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-06T01:00:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit <em>Reporting</em> Violation & Identity Theft Summary of the Issue I am <em>filing</em> this <em>complaint</em> under the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and <em>TransUnion</em> for failing to properly <em>investigate</em> and remove inaccurate and identity-theft-related items from my consumer credit <em>reports</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[18.204096,"17031056"]},{"_index":"complaint-public-v1","_id":"17031057","_score":18.203014,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17031057","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T01:00:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit <em>Reporting</em> Violation & Identity Theft Summary of the Issue I am <em>filing</em> this <em>complaint</em> under the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and <em>TransUnion</em> for failing to properly <em>investigate</em> and remove inaccurate and identity-theft-related items from my consumer credit <em>reports</em>."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.203014,"17031057"]},{"_index":"complaint-public-v1","_id":"17034142","_score":18.193098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative : Credit Reporting Violation & Identity Theft Summary of the Issue I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and TransUnion for failing to properly investigate and remove inaccurate and identity-theft-related items from my consumer credit reports. \n\nMy personal information was compromised in a data breach, resulting in unauthorized inquiries, a fraudulent collection account, and inconsistent reporting across credit bureaus. Despite submitting an FTC Identity Theft Report ( # XXXX ) and supporting documentation, the credit bureaus have not deleted or blocked the disputed items as required under 605B. \n\nWhat Happened On or about XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit file. \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX  each made inquiries on the same date via Equifax, without my consent or permissible purpose under 604. \n\nXXXX XXXX XXXX made a similar inquiry on XX/XX/XXXX via TransUnion. \n\nI also discovered a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) appearing on Experian and TransUnion, opened around XX/XX/XXXX, with a balance of {$3200.00}. \n\nI never opened or authorized this account. \n\nI have no record of any relationship with the furnisher or original creditor. \n\nThis account appears to be the result of identity theft and should be blocked immediately under 605B.\n\nI provided each bureau with : My government-issued ID and proof of address, A copy of my FTC Identity Theft Report ( # XXXX ), and Highlighted copies of my credit reports showing disputed items. \n\nI also requested a Method of Verification ( MOV ) for all items under dispute including documentation, signatures, and source of reporting but none of the bureaus have provided any evidence of a legitimate authorization or original signed agreement. \n\nAdditionally, if the XXXX XXXX XXXX account was previously deleted and reinserted, the bureaus failed to send me the required 5-day reinsertion notice per 611 ( a ) ( 5 ) ( B ).\n\nApplicable Violations 607 ( b ) : Failure to assure maximum possible accuracy.\n\n604 : Inquiries made without permissible purpose or authorization.\n\n605B : Failure to block identity-theft-related accounts.\n\n611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion.\n\n611 : Failure to conduct a proper reinvestigation within 30 days.","date_sent_to_company":"2025-11-06T01:01:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"17034142","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-06T00:51:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> : Credit <em>Reporting</em> Violation & Identity Theft Summary of the Issue I am <em>filing</em> this <em>complaint</em> under the Fair Credit <em>Reporting</em> Act ( 15 U.S.C. 604, 605B, 607 ( b ), 609 ( a ), and 611 ) against Equifax, Experian, and <em>TransUnion</em> for failing to properly <em>investigate</em> and remove inaccurate and identity-theft-related items from my consumer credit <em>reports</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[18.193098,"17034142"]},{"_index":"complaint-public-v1","_id":"17421072","_score":18.153572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate and harmful reporting on my credit file related to my former auto loan with XXXX XXXX. \n\nXXXX  is reporting multiple pieces of information that are factually incorrect, inconsistent, or contradictory. These errors are severely impacting my credit standing. \n\n1. XXXX  is reporting my account as Included in XXXX, which is false. \n\nI have never filed XXXX. This is a serious and damaging inaccuracy that violates : FCRA 1681e ( b ) failure to assure maximum possible accuracy FCRA 1681i failure to properly investigate disputed information 2. XXXX is reporting a XXXX delinquency, charge-off, and past-due balances AFTER the account was already closed. \n\nThe payment history shows : XXXX late XXXX late XXXX late XXXX late XXXX late XXXX late Charge-off codes Closed status These codes overlap in ways that are not consistent with normal reporting standards and appear duplicative or artificially extended. \n\nXXXX. The account shows conflicting Date of Last Activity, Date of First Delinquency, and Closed Date. \n\nThe dates do not align and appear to have been updated in a way that re-ages the debt or extends the period of delinquency. \n\n4. The account contains multiple narrative codes that contradict each other. \n\nExamples include : Pays as agreed Charge-off Included in XXXX  Closed account/zero balance These codes can not all be true simultaneously. \n\n5. These inaccuracies are significantly damaging my credit score and my ability to secure stable housing and transportation. \n\nThe reporting is not consistent with the original loan terms, my actual payment history, or my records. \n\nWhat I am requesting : I am asking that the CFPB require XXXX XXXX to : 1. Conduct a full investigation into the accuracy of the reporting.\n\n2. Remove all inaccurate, inconsistent, or contradictory data from my credit reports. \n\n\n3. Provide corrected information to all three credit bureaus ( XXXX XXXX TransUnion ). \n\n\n\nThese errors are causing substantial harm, and I am requesting prompt correction under the Fair Credit Reporting Act. \n\n\n-- -","date_sent_to_company":"2025-11-21T18:41:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"17421072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-21T18:41:18.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> regarding inaccurate and harmful <em>reporting</em> on my credit <em>file</em> related to my former auto loan with XXXX XXXX. \n\nXXXX  is <em>reporting</em> multiple pieces of information that are factually incorrect, inconsistent, or contradictory. These errors are severely impacting my credit standing. \n\n1. XXXX  is <em>reporting</em> my account as Included in XXXX, which is false. \n\nI have never <em>filed</em> XXXX."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.153572,"17421072"]},{"_index":"complaint-public-v1","_id":"14015681","_score":17.877354,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for inaccurately and inconsistently reporting my XXXX XXXX XXXX ( XXXX XXXX  ) account XXXX. Despite paying off this account in full, TransUnion continues to reflect misleading and damaging derogatory information. \nAccording to the TransUnion credit report dated XX/XX/XXXX, the XXXXXXXX XXXX account shows a balance of {$0.00}, a last payment date of XX/XX/XXXX, and remarks stating, PAID IN FULL/WAS A CHARGE OFF. This notation is deceptive and contradicts Metro 2 Format ( FAQ 45 ), which clearly states that charge-offs must only reflect an unpaid principal NOT late fees or penalties. In my case, the principal balance was only {$1.00}, and the rest was attributed to fees. \nThe report also shows the account was closed on XX/XX/XXXX, before the last payment on XX/XX/XXXX. This inconsistency indicates re-aging and inaccurate reporting. Furthermore, this data creates a false derogatory narrative even though I satisfied the debt entirely, and the account should not carry any remaining negative status under the FCRA. \nAdditionally, no positive payment history is reflected for several years. This further violates the FCRA and undermines my right to a fair and accurate credit profile. I have made multiple attempts to correct this, yet TransUnion has failed to reinvestigate and resolve the issue properly, despite my documented disputes and supporting documentation. \nThis is a direct violation of the following provisions : - FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy - FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation - FCRA 1681s-2 ( a ) : Furnishing information known to be inaccurate - Metro 2 Format ( FAQ 35, 45 ) : Re-aging and improper charge-off practices Attached to this complaint are copies of my most recent TransUnion credit report, letters from XXXX XXXX stating the balance were reflecting paid in full which it is not, a letter regarding proof junk fees, and a letter amongst many of proof that I have tried to resolve. I request that the CFPB take immediate corrective action to investigate TransUnions handling of this matter and to DELETE the account. \nIf this is not resolved, I am prepared to escalate with the FTC, my State Attorney General, and pursue legal action under FCRA 616 and 617 for negligent and willful noncompliance.\n\nThank you for your time and assistance in addressing this matter.","date_sent_to_company":"2025-06-11T21:41:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76052","tags":null,"has_narrative":true,"complaint_id":"14015681","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T21:17:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am <em>filing</em> this formal <em>complaint</em> with the Consumer Financial Protection Bureau ( CFPB ) against <em>TransUnion</em> for inaccurately and inconsistently <em>reporting</em> my XXXX XXXX XXXX ( XXXX XXXX  ) account XXXX. Despite paying off this account in full, <em>TransUnion</em> continues to reflect misleading and damaging derogatory information."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.877354,"14015681"]},{"_index":"complaint-public-v1","_id":"14533245","_score":17.48808,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion LLC for failure to maintain accurate, verifiable, and complete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues directly with the credit reporting agency, my file continues to reflect serious inaccuracies, including wrong addresses and inaccurate account reporting, which are causing significant harm to my financial well-being and violating my rights as a consumer. \nDisputed Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Issue : These addresses are incorrectly listed on my TransUnion credit report. I have never lived at or been affiliated with these locations. Their presence on my report indicates either mixed file issues or erroneous third-party data submission. This has created confusion and possible identity conflation, which exposes me to fraudulent association and unjustified credit risk. \nViolation : FCRA 602 ( A ) mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they maintain. FCRA 607 ( b ) further requires agencies to use reasonable procedures to ensure the accuracy and integrity of consumer data. TransUnion has failed to meet these standards. \nDisputed Account : XXXX XXXX Acct # : XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  High Balance : {$2600.00} XXXX XXXX Issue : This account is inaccurately reporting late payments. These derogatory entries are false, outdated, or unverified. I have not received any proper documentation proving the legitimacy of the reported delinquencies despite my dispute under FCRA 611. \nViolation : Under FCRA 611, TransUnion is obligated to conduct a reasonable reinvestigation of disputed information and delete any data that can not be verified. FCRA 609 ( a ) ( 1 ) entitles me to receive full documentation supporting any account being reported. TransUnion has continued to report this account without providing verification, documentation, or evidence, thus violating federal law.\n\nNarrative/ Consumer Impact Statement : I have been unfairly denied credit and experienced emotional distress due to the presence of false addresses and derogatory information on my credit report. I take my credit reputation seriously, and TransUnion 's negligence has caused measurable harm. My attempts to resolve these issues directly through disputes have been unsuccessful, and I believe that TransUnion is willfully ignoring the legal requirements under the FCRA. \nResolution Sought : I am requesting that the CFPB conduct an immediate investigation into TransUnion 's practices and ensure the following : 1. Permanent deletion of the two inaccurate addresses listed above 2. Complete validation or removal of the disputed XXXX XXXX account 3. Assurance that TransUnion updates and maintains accurate information in accordance with the FCRA Please consider this a formal complaint and assist me in holding TransUnion accountable for these violations.","date_sent_to_company":"2025-07-08T22:03:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"14533245","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T21:57:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>complaint</em> against <em>TransUnion</em> LLC for <em>failure</em> to maintain accurate, verifiable, and complete information on my credit <em>report</em>, in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). Despite my efforts to resolve these issues directly with the credit <em>reporting</em> agency, my <em>file</em> continues to reflect serious inaccuracies, including wrong addresses and inaccurate account <em>reporting</em>, which are causing significant harm to my financial well-being and violating my rights as a consumer."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.48808,"14533245"]},{"_index":"complaint-public-v1","_id":"14323948","_score":17.2712,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this CFPB complaint against TransUnion for continued failure to investigate and delete multiple inaccurate and unverifiable items from my credit report, despite my earlier formal disputes. TransUnion has not complied with its obligations under the Fair Credit Reporting Act ( XXXX  ) XXXX U.S. Code XXXX ( a ), XXXX ( b ), and XXXX. I am demanding immediate removal and correction of the following accounts, inquiries, and addresses : Incorrect Addresses ( Violation of XXXX U.S. Code XXXX ( b ) Failure to maintain accurate information ) : XXXX XXXX AV XXXX XXXX, IL XXXX Wrong Address XXXX XXXX XXXX XXXX LA XXXX XXXX, IL XXXX Wrong Address These addresses are not mine, and I have never lived at or been associated with them. Reporting them is a violation of my rights under FCRA. TransUnion has failed to use reasonable procedures to assure maximum possible accuracy of my personal identifying information. \nLate Payments ( Violation of XXXX U.S. Code XXXX and XXXX Failure to properly investigate and report accurate account history ) : XXXXI | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$1300.00} Late Payments XXXX | Acct : XXXX * * * * | Date Opened : XX/XX/XXXX | High Credit : {$2300.00} Late Payments These accounts show inconsistent and inaccurate reporting of late payments. I have previously disputed these items, and no proper investigation was conducted as required by law. The creditor failed to validate these delinquencies. XXXX continued reporting without verification violates XXXX U.S. Code XXXX ( a ) ( XXXX ) ( A ). \nUnauthorized or Excessive Hard Inquiries ( Violation of XXXX U.S. Code XXXX Permissible purpose for furnishing reports ) : XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry COAF XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard Inquiry These inquiries were made without my authorization or permissible purpose. According to XXXX U.S. Code XXXX ( c ), hard inquiries require consumer permission or a legitimate business need. TransUnion failed to confirm such purpose or consent before listing these inquiries on my report, causing me reputational and financial harm. \nNarrative and Background ( Pattern of Negligence & Harm ) : Despite previously notifying TransUnion about these inaccurate and harmful entries, they have refused to correct or remove them. I have faced serious emotional, financial, and reputational damage due to their negligence and repeated violations of my consumer rights. The presence of these wrong addresses, unverifiable late payments, and unauthorized inquiries have affected my ability to obtain housing, employment, and credit. I believe TransUnion has violated multiple sections of the Fair Credit Reporting Act and has failed in its duty to maintain accurate consumer records. \nLegal Violations Cited : FCRA XXXX ( b ) Failure to assure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate disputed information FCRA XXXX Reporting outdated and irrelevant data FCRA XXXX Duty of furnishers to provide accurate information FCRA XXXX Lack of permissible purpose for inquiries I respectfully demand immediate deletion of the above incorrect addresses, inquiries, and unverifiable derogatory accounts from my TransUnion credit file. I further request that CFPB investigate this matter thoroughly and hold TransUnion accountable for repeated noncompliance.","date_sent_to_company":"2025-06-27T23:27:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44240","tags":null,"has_narrative":true,"complaint_id":"14323948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-27T23:23:26.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am submitting this CFPB <em>complaint</em> against <em>TransUnion</em> for continued <em>failure</em> to <em>investigate</em> and delete multiple inaccurate and unverifiable items from my credit <em>report</em>, despite my earlier formal disputes. <em>TransUnion</em> has not complied with its obligations under the Fair Credit <em>Reporting</em> Act ( XXXX  ) XXXX U.S. Code XXXX ( a ), XXXX ( b ), and XXXX. I am demanding immediate removal and correction of the following accounts, inquiries, and addresses : Incorrect Addresses ( Violation of XXXX U.S."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.2712,"14323948"]},{"_index":"complaint-public-v1","_id":"14798058","_score":16.555979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) Complaint Narrative : I am filing a formal complaint regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1. Account Status Misrepresentation : The account is listed as Charged-Off, Charged Off as Bad Debt, and Unpaid balance reported as a loss by XXXX XXXX. Yet, the balance is showing {$0.00} across all three credit bureaus, indicating the debt is no longer owed or collectible. If the balance is {$0.00}, it should not simultaneously be reported as charged-off with derogatory remarks. This is inconsistent and misleading. \n\n2. FCRA Violations Potentially Involved : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct information that is incomplete or inaccurate FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute FCRA 605 ( a ) ( 5 ) : Derogatory accounts must be removed after 7 years from the date of first delinquency ; if this account is older or resolved with {$0.00} balance, it should not be updated to keep it appearing active.\n\n3. Last Reported Date Discrepancy : Equifax  is reporting an update in XX/XX/XXXX, while TransUnion and Experian stopped updating in XX/XX/XXXX. This inconsistency raises red flags regarding data accuracy and ongoing compliance. I never received notice of updates from the creditor nor from the bureaus. \n\n4. Harm to Consumer : This inaccurate and outdated negative reporting has negatively impacted my creditworthiness. Reporting a {$0.00} balance charge-off without accurately updating the status or removing the derogatory remark misrepresents the true status of the account.\n\nRequest for Resolution : I am requesting the immediate deletion of the XXXX account from all three credit bureaus due to its current inaccurate, misleading, and potentially unlawful reporting. At a minimum, I demand that : All derogatory language be removed from the account ( including charge-off ), The tradeline be marked Closed Paid/Settled with a {$0.00} balance and no negative status, or The account be removed entirely if it has been sold, discharged, or is no longer collectible. \n\nPlease investigate this matter immediately and take appropriate corrective action.","date_sent_to_company":"2025-07-22T21:39:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"14798058","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-22T21:34:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : XXXX <em>Reporting</em> Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) <em>Complaint</em> <em>Narrative</em> : I am <em>filing</em> a formal <em>complaint</em> regarding the XXXX  account appearing on my credit <em>report</em>. This account is being <em>reported</em> inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ).\n\n1."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.555979,"14798058"]},{"_index":"complaint-public-v1","_id":"14797737","_score":16.489733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) Complaint Narrative : I am filing a formal complaint regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).\n\n1. Account Status Misrepresentation : The account is listed as Charged-Off, Charged Off as Bad Debt, and Unpaid balance reported as a loss by XXXX XXXX. Yet, the balance is showing {$0.00} across all three credit bureaus, indicating the debt is no longer owed or collectible. If the balance is {$0.00}, it should not simultaneously be reported as charged-off with derogatory remarks. This is inconsistent and misleading. \n\n2. FCRA Violations Potentially Involved : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct information that is incomplete or inaccurate FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute FCRA 605 ( a ) ( 5 ) : Derogatory accounts must be removed after 7 years from the date of first delinquency ; if this account is older or resolved with {$0.00} balance, it should not be updated to keep it appearing active.\n\n3. Last Reported Date Discrepancy : Equifax  is reporting an update in XX/XX/XXXX, while TransUnion and Experian stopped updating in XX/XX/XXXX. This inconsistency raises red flags regarding data accuracy and ongoing compliance. I never received notice of updates from the creditor nor from the bureaus. \n\n4. Harm to Consumer : This inaccurate and outdated negative reporting has negatively impacted my creditworthiness. Reporting a {$0.00} balance charge-off without accurately updating the status or removing the derogatory remark misrepresents the true status of the account.\n\nRequest for Resolution : I am requesting the immediate deletion of the XXXX account from all three credit bureaus due to its current inaccurate, misleading, and potentially unlawful reporting. At a minimum, I demand that : All derogatory language be removed from the account ( including charge-off ), The tradeline be marked Closed Paid/Settled with a {$0.00} balance and no negative status, or The account be removed entirely if it has been sold, discharged, or is no longer collectible. \n\nPlease investigate this matter immediately and take appropriate corrective action.","date_sent_to_company":"2025-07-22T21:39:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"14797737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-22T21:39:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : XXXX <em>Reporting</em> Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) <em>Complaint</em> <em>Narrative</em> : I am <em>filing</em> a formal <em>complaint</em> regarding the XXXX  account appearing on my credit <em>report</em>. This account is being <em>reported</em> inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ).\n\n1."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[16.489733,"14797737"]},{"_index":"complaint-public-v1","_id":"13830333","_score":16.357216,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. \n\nA XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. \n\nIn addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. \n\nThe name and contact information of the furnisher of this data. \n\nA reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nNone of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. \n\nFurthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. \n\nTo protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. \n\nI also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.","date_sent_to_company":"2025-06-01T20:32:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"13830333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-01T20:21:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> Submission I am submitting this <em>complaint</em> due to the ongoing inaccurate and unverifiable <em>reporting</em> of a XXXX  on my credit <em>report</em>, as well as the credit <em>reporting</em> agencies <em>failure</em> to follow proper dispute <em>investigation</em> procedures and protect my identity. \n\nA XXXX XXXX XXXX is being <em>reported</em> on my credit <em>file</em> by Equifax, <em>TransUnion</em>, and Experian and other accounts."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.357216,"13830333"]},{"_index":"complaint-public-v1","_id":"13830106","_score":16.304968,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Narrative for CFPB Complaint Submission I am submitting this complaint due to the ongoing inaccurate and unverifiable reporting of a XXXX  on my credit report, as well as the credit reporting agencies failure to follow proper dispute investigation procedures and protect my identity. \n\nA XXXX XXXX XXXX is being reported on my credit file by Equifax, TransUnion, and Experian and other accounts. However, I have never filed for XXXX, and after directly contacting the XXXX XXXX  XXXX, I received written confirmation that they do not furnish or verify XXXX  information to any credit reporting agencies. This makes the source of this XXXX  entry unverifiable and unreliable. \n\nIn addition, I have already disputed this account multiple times with each credit bureau and requested : The method of verification used to confirm the XXXX. \n\nThe name and contact information of the furnisher of this data. \n\nA reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nNone of the bureaus have provided verification or validation of this XXXX. Instead, they have repeatedly verified the account without supplying any documentation or source, violating their obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. \n\nFurthermore, I am a documented victim of identity theft. I have filed a report with the Federal Trade Commission ( FTC ) ( Report # : ) and a police report with my local law enforcement agency ( Case # : ). My personal identifying information was compromised in a data breach and has been used to open multiple fraudulent accounts. I believe this fraudulent XXXX  may be linked to that identity theft. \n\nTo protect my identity and prevent further damage, I have frozen my XXXX file, as they often provide public records data to the credit bureaus. Despite this, the XXXX  continues to be reported without explanation or verification. \n\nI also want to point out the inconsistencies across the credit bureaus. For example, only two out of three bureaus are reporting other fraudulent or disputed accounts, which further confirms that the reporting process is arbitrary and inconsistent.","date_sent_to_company":"2025-06-01T20:32:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"13830106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-01T20:31:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Narrative</em> for CFPB <em>Complaint</em> Submission I am submitting this <em>complaint</em> due to the ongoing inaccurate and unverifiable <em>reporting</em> of a XXXX  on my credit <em>report</em>, as well as the credit <em>reporting</em> agencies <em>failure</em> to follow proper dispute <em>investigation</em> procedures and protect my identity. \n\nA XXXX XXXX XXXX is being <em>reported</em> on my credit <em>file</em> by Equifax, <em>TransUnion</em>, and Experian and other accounts."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.304968,"13830106"]},{"_index":"complaint-public-v1","_id":"12935960","_score":16.209465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative TransUnion Case Context : Disputed Account : XXXX XXXX XXXX XXXX ( Charged-Off : {$23000.00} ) Arbitration Case # : XXXX XXXX XXXX : XX/XX/XXXX No response or arbitration fees paid by TransUnion Summary of Events : On XX/XX/XXXX, I submitted a formal arbitration case ( XXXX  Case # : XXXX ) against TransUnion for its continued reporting of a disputed and unverifiable tradeline from XXXX XXXX XXXX XXXX XXXX The alleged debt was previously disputed with all bureaus, and XXXX  only submitted evidence was an illegible contract, which was rejected by XXXX in a parallel case and not accepted by XXXX. \n\nDespite : Active arbitration proceedings Fraud block request ( File # : XXXX ) XXXX confirmations from XXXX that no tradeline exists TransUnion : Verified the XXXX XXXX as accurate without explanation ( XX/XX/XXXX ) Ignored arbitration ( XXXX XXXX violation : no fees paid, no response ) Failed to conduct a meaningful FCRA reinvestigation Continued reporting disputed information during arbitration Denied the fraud block improperly Violations : FCRA Violations : 1681i ( a ) : No reasonable reinvestigation, no verification details 1681c-2 : Improper rejection of valid fraud block request 1681e ( b ) : Reporting inaccurate and unverifiable information that harmed my credit and housing access Consent Order / Conciliation XXXX XXXX XXXX XXXX XXXX Consent Order ( XXXX ) : TransUnion was fined for misreporting housing-related data In my case, TransUnion again misreports data resulting in housing denial CFPB Consent Order on Freeze/Fraud Alerts ( XXXX ) : Fined for failing to honor fraud blocks My fraud block denial mirrors this pattern XXXX CFPB Lawsuit for Repeat Violations : TransUnion ignored prior orders again Their non-payment and silence in arbitration violates the CFPBs stated enforcement expectations TransUnion Terms of Service Violations : Failure to uphold fair dispute processes False claims of verification without documentation Failure to comply with arbitration and fraud block protocols promised in user agreements and public policy Civil Rights & Systemic Harm : As a XXXX, XXXX XXXX XXXX XXXX have suffered : Multiple housing denials directly caused by the XXXX XXXX Ongoing discrimination due to inaccurate data Economic exclusion, violating the Fair Housing Act, ECOA, and triggering 42 U.S.C. XXXX claims based on disparate impact Requested Resolution : 1. Immediate suppression and deletion of the XXXX tradeline 2. Written verification audit trail of how TransUnion verified the account 3. Reopening and approval of fraud block request 4. Investigation of arbitration noncompliance and referral to CFPB Enforcement 5. Civil penalties and corrective action for Terms of Use and consent order violations 6. Compensation or redress for housing denials and credit exclusion","date_sent_to_company":"2025-04-11T16:47:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14215","tags":null,"has_narrative":true,"complaint_id":"12935960","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-11T16:21:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> <em>TransUnion</em> Case Context : Disputed Account : XXXX XXXX XXXX XXXX ( Charged-Off : {$23000.00} ) Arbitration Case # : XXXX XXXX XXXX : XX/XX/XXXX No response or arbitration fees paid by <em>TransUnion</em> Summary of Events : On XX/XX/XXXX, I submitted a formal arbitration case ( XXXX  Case # : XXXX ) against <em>TransUnion</em> for its continued <em>reporting</em> of a disputed and unverifiable tradeline from XXXX XXXX XXXX XXXX XXXX The alleged debt was previously disputed with all bureaus, and XXXX"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.209465,"12935960"]},{"_index":"complaint-public-v1","_id":"16420481","_score":16.206078,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Narrative Date : XX/XX/XXXX Complaint Against : Experian, TransUnion, and XXXX XXXX  XXXX this complaint simultaneously against all three entities. ) Account XXXX : XXXX Account ( Acct. # XXXX ) I am filing this complaint regarding the continued and inaccurate reporting of the XXXX account ( Acct. # XXXX ) on my Experian and XXXX  credit files. \nSummary of Violations and Harm : Inaccurate and Inconsistent Reporting ( FCRA 607 ( b ) ) : XXXX  has already deleted this account from my file, demonstrating cross-bureau inconsistency and unreliability. The continued reporting by Experian and XXXX  violates their duty to ensure maximum possible accuracy. \nLegally Unenforceable Debt : The underlying debt is time-barred under D.C. Code 12-301 ( 8 ) ( the 3-year Statute of Limitations expired XX/XX/XXXX ). Reporting this debt as 'charged-off ' without disclosing its unenforceability is materially misleading to creditors and employers, violating FCRA 607 ( b ).\n\nActual Damages : This inaccurate reporting has directly caused severe harm to me, constituting clear actual damages under the FCRA : It resulted in the denial of mortgage financing. \nIt has been used in employment background checks, adversely affecting my ability to secure employment ( see Exhibit E for evidence of harm ).\n\nFurnisher Violation XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 623 ( b ) by furnishing this inaccurate information to the CRAs after receiving direct disputes. \nPattern of Willful Non-Compliance : I have attached Exhibit F, which is a settlement check from the federal class action XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This document demonstrates XXXX  's prior liability and a pattern of willful noncompliance with the FCRA. \nRequest for Relief : I request the CFPB : Demand the immediate deletion of the XXXX XXXX from Experian and XXXX. \nRequire the removal of all outdated personal identifiers ( names, addresses, phone numbers, employers ) and unauthorized hard inquiries. \nXXXX a regulatory investigation into the systemic failures by Experian, XXXX, and XXXX","date_sent_to_company":"2025-10-21T19:11:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"16420481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-07T15:52:52.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> Date : XX/XX/XXXX <em>Complaint</em> Against : Experian, <em>TransUnion</em>, and XXXX XXXX  XXXX this <em>complaint</em> simultaneously against all three entities. ) Account XXXX : XXXX Account ( Acct. # XXXX ) I am <em>filing</em> this <em>complaint</em> regarding the continued and inaccurate <em>reporting</em> of the XXXX account ( Acct. # XXXX ) on my Experian and XXXX  credit <em>files</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.206078,"16420481"]},{"_index":"complaint-public-v1","_id":"11005311","_score":15.792208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. \nNature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ), as they misrepresent my creditworthiness.\n\nPotential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.\n\nTruth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.\n\nAdditionally, the FCRA, specifically articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), outline civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. \nSummary of Errors and Discrepancies : Inaccurate Late Payment Reporting : XXXX : Incorrectly reports XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. \nXXXX and TransUnion : Incorrectly report XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. \nInconsistent Payment History Across Bureaus : Different credit bureaus report varying months for the late payments, indicating inconsistency and lack of data accuracy. Violation of Payment Status : Desp\nite showing \" Current '' under the account 's Payment Status, the late payment history contradicts this status.\n\nAutopay Enrollment Overlooked : The account has been enrolled in autopay since its opening, which should automatically prevent late payments, further proving the inaccuracy of the reported delinquencies.\n\nMisrepresentation of Account History : The errors and discrepancies create a false narrative of the payment history, negatively affecting my creditworthiness.\n\nPotential Noncompliance with FCRA : The inconsistencies and inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) requirements for accuracy and timely correction of errors in consumer credit reports.\n\nRequested Resolution : I respectfully request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.\n\nAdditionally, I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-03T21:34:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"11005311","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T21:28:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Complaint</em> Regarding Inaccurate Late Payments on Credit <em>Report</em> Account # XXXX Dear CFPB, I am submitting this <em>complaint</em> regarding inaccurate late payments <em>reported</em> on my credit <em>file</em> maintained by <em>TransUnion</em>. I believe these late payments are erroneous and do not accurately reflect my payment history. \nNature of the <em>Complaint</em> : Inaccurate <em>Reporting</em> : The late payments listed on my credit <em>report</em> are inaccurate."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[15.792208,"11005311"]},{"_index":"complaint-public-v1","_id":"11005625","_score":15.781061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. \nNature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. \nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ), as they misrepresent my creditworthiness. \nPotential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. \nTruth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. \nAdditionally, the FCRA, specifically articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), outline civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. \nSummary of Errors and Discrepancies : Inaccurate Late Payment Reporting : XXXX : Incorrectly reports XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. \nXXXX and TransUnion : Incorrectly report XXXX, XXXX, and XXXX late payments for XXXX, XXXX, and XX/XX/year>, respectively. \nInconsistent Payment History Across Bureaus : Different credit bureaus report varying months for the late payments, indicating inconsistency and lack of data accuracy. \nViolation of Payment Status : Despite showing \" Current '' under the account 's Payment Status, the late payment history contradicts this status. \nAutopay Enrollment Overlooked : The account has been enrolled in autopay since its opening, which should automatically prevent late payments, further proving the inaccuracy of the reported delinquencies. \nMisrepresentation of Account History : The errors and discrepancies create a false narrative of the payment history, negatively affecting my creditworthiness.\n\nPotential Noncompliance with FCRA : The inconsistencies and inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ) requirements for accuracy and timely correction of errors in consumer credit reports. \nRequested Resolution : I respectfully request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. \nAdditionally, I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-03T21:35:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"11005625","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T21:34:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Complaint</em> Regarding Inaccurate Late Payments on Credit <em>Report</em> Account # XXXX Dear CFPB, I am submitting this <em>complaint</em> regarding inaccurate late payments <em>reported</em> on my credit <em>file</em> maintained by <em>TransUnion</em>. I believe these late payments are erroneous and do not accurately reflect my payment history. \nNature of the <em>Complaint</em> : Inaccurate <em>Reporting</em> : The late payments listed on my credit <em>report</em> are inaccurate."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[15.781061,"11005625"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":106,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":106}]}},"product":{"doc_count":106,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":97,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":97}]}},{"key":"Debt 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