{"took":176,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4987,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14131748","_score":14.391129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously disputed the XXXX Card ( XXXX Bank XXXX ) account on my TransUnion credit report. The account was deleted, and I received confirmation via CFPB case [ insert case number if available ] on XX/XX/year>. However, the account has now been reinserted on my credit report without notice or explanation, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. I did not receive the required reinsertion notice within 5 business days. I am requesting the immediate removal of the reinserted item or proper documentation proving compliance with FCRA requirements.","date_sent_to_company":"2025-06-17T14:36:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"14131748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-17T14:36:13.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I previously disputed the <em>XXXX</em> Card ( <em>XXXX</em> Bank <em>XXXX</em> ) <em>account</em> on my <em>TransUnion</em> credit report. The <em>account</em> was deleted, and I received confirmation via CFPB <em>case</em> [ insert <em>case</em> number if available ] on XX/XX/year>. However, the <em>account</em> has now been reinserted on my credit report without notice or explanation, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. I did not receive the required reinsertion notice within 5 business days."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.391129,"14131748"]},{"_index":"complaint-public-v1","_id":"7859396","_score":14.270855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit Reports for collection of delinquent child support, judgments, fines and liens XXXX no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). XXXX These cases note that certain definitions were added to the FCRA as part of the XXXX amendments ( XXXX XXXX ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. \nThe courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the XXXX XXXX. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. \nIf you use TransUnion consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. \nTransUnion will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with TransUnion and this new interpretation of the law. This means that you XXXX obtain TransUnion reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. \nAs an example, for XXXX of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. \nXXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2023-11-16T22:28:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"7859396","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-16T21:56:14.000Z","state":"MS","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":["If you use <em>TransUnion</em> consumer report services in connection with the collection of an <em>account</em>, we advise you to promptly review the new <em>case</em> law with your regular attorney or <em>compliance</em> advisor. \n<em>TransUnion</em> will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in <em>compliance</em> with this new interpretation."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.270855,"7859396"]},{"_index":"complaint-public-v1","_id":"5585744","_score":14.031783,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Dispute to Transunion for fraud and violation of FDCPA of account DES Child Support did not remove account XX/XX/XXXX letter by certified mail sent to DES Child Support to remove fraudulent account XXXX XXXX  XXXX letter by certified mail sent to DES Child Support to remove fraudulent account XX/XX/XXXX Dispute to Transunion for fraud and violation of FDCPA of account DES Child Support did not remove account and also sent the '***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted ' Letter : Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the XXXX  amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.\n\nThe courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. \nIf you use TransUnion consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. \nTransUnion will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with TransUnion and this new interpretation of the law. This means that you may obtain TransUnion reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report.\n\nAs an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXXXXXX XXXX XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. \ntransunion.com Transunion has still failed to remove account. This fraudulent account is making it hard for me to purchase a car, get approved on application for a home, and for application of credit cards. I did not take out a 'loan ' with DES Child Support and by law TRANSUNION is not allowed to report such an account.","date_sent_to_company":"2022-05-20T22:27:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"857XX","tags":null,"has_narrative":true,"complaint_id":"5585744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-20T21:37:10.000Z","state":"AZ","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":["If you use <em>TransUnion</em> consumer report services in connection with the collection of an <em>account</em>, we advise you to promptly review the new <em>case</em> law with your regular attorney or <em>compliance</em> advisor. \n<em>TransUnion</em> will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in <em>compliance</em> with this new interpretation."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[14.031783,"5585744"]},{"_index":"complaint-public-v1","_id":"17456031","_score":13.992297,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.\n\nNew Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.\n\nThese two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.\n\nCase Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.\n\nThis directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.\n\nExperian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.\n\nExperian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. \n\nExperian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. \n\nRequested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. \n\nThis addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.","date_sent_to_company":"2025-11-23T15:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"17456031","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-23T15:32:19.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Experian continues to report XX/XX/XXXXXXXX and <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em>, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four <em>accounts</em>. \n\nRequested Resolution : <em>Transunion</em> must immediately block and delete the remaining fraudulent <em>accounts</em>XX/XX/<em>XXXX</em> and XX/XX/XXXXin <em>compliance</em> with FCRA 605B and issue written confirmation."]},"sort":[13.992297,"17456031"]},{"_index":"complaint-public-v1","_id":"17456030","_score":13.987326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.\n\nNew Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.\n\nThese two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.\n\nCase Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.\n\nThis directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.\n\nExperian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.\n\nExperian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. \n\nExperian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. \n\nRequested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. \n\nThis addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.","date_sent_to_company":"2025-11-23T15:32:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"17456030","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-23T15:32:19.000Z","state":"VA","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":["Experian continues to report XX/XX/XXXXXXXX and <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em>, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four <em>accounts</em>. \n\nRequested Resolution : <em>Transunion</em> must immediately block and delete the remaining fraudulent <em>accounts</em>XX/XX/<em>XXXX</em> and XX/XX/XXXXin <em>compliance</em> with FCRA 605B and issue written confirmation."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.987326,"17456030"]},{"_index":"complaint-public-v1","_id":"17455010","_score":13.987326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ADDENDUM/ ADDITIONAL INFORMATION CFPB COMPLAINTS : XXXX, XXXX, XXXX This is an official addendum providing newly obtained evidence supporting my original complaints regarding identity theft, FCRA 605B violations, and Experians refusal to properly block and remove fraudulent accounts.\n\nNew Evidence Submitted : I have now attached updated credit reports from Equifax and TransUnion, both of which have already removed two ( 2 ) of the four ( 4 ) fraudulent accounts listed in my FTC Identity Theft Report.\n\nThese two bureaus have complied with FCRA 605B and honored the block request within the required timeframe.\n\nCase Number 8 25-cv-24 - Experian In Litigation With CFPB Showing Equifax Is Still Violating The FCRA.\n\nThis directly proves : The accounts are fraudulent, and Experian has current, valid notice of that fraud.\n\nExperian, Equifax, and Transunion is in violation of FCRA 605B, which requires blocking ALL fraudulent accounts within 4 business days after receiving an Identity Theft Report.\n\nExperian, Equifax, and TransUnion is causing ongoing harm to my family, livelihood, and housing opportunities by refusing to remove the same accounts that Equifax and TransUnion have already deleted. \n\nExperian continues to report XX/XX/XXXXXXXX and XXXX XXXX XX/XX/XXXX, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four accounts. \n\nRequested Resolution : Transunion must immediately block and delete the remaining fraudulent accountsXX/XX/XXXX and XX/XX/XXXXin compliance with FCRA 605B and issue written confirmation. \n\nThis addendum is submitted to update my case with additional evidentiary support and demonstrate Experians, Equifax, and Transunion continued non-compliance and harmful reporting practices.","date_sent_to_company":"2025-11-23T15:32:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23434","tags":null,"has_narrative":true,"complaint_id":"17455010","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-23T15:14:09.000Z","state":"VA","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":["Experian continues to report XX/XX/XXXXXXXX and <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em>, despite clear proof of identity theft and despite the FTC Identity Theft Report covering all four <em>accounts</em>. \n\nRequested Resolution : <em>Transunion</em> must immediately block and delete the remaining fraudulent <em>accounts</em>XX/XX/<em>XXXX</em> and XX/XX/XXXXin <em>compliance</em> with FCRA 605B and issue written confirmation."]},"sort":[13.987326,"17455010"]},{"_index":"complaint-public-v1","_id":"12729306","_score":13.951465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.\n\nCase Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. \nI filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. \nDespite multiple dispute requests, they have refused to remove these fraudulent items. \nThis is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.\n\nFraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.","date_sent_to_company":"2025-03-31T02:29:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"12729306","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-31T02:29:32.000Z","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":["Subject : Credit Bureau Non-<em>Compliance</em> Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and <em>TransUnion</em> for their continued failure to remove fraudulent <em>accounts</em> from my credit report despite my repeated disputes.\n\n<em>Case</em> Background : I was a victim of identity theft, which resulted in multiple unauthorized <em>accounts</em> appearing on my credit report. \nI filed a police report ( <em>Case</em> # <em>XXXX</em> ) and submitted it to the credit bureaus."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.951465,"12729306"]},{"_index":"complaint-public-v1","_id":"12729201","_score":13.951465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.\n\nCase Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. \nI filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. \nDespite multiple dispute requests, they have refused to remove these fraudulent items. \nThis is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.\n\nFraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.","date_sent_to_company":"2025-03-31T02:29:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"12729201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-31T02:20:59.000Z","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":["Subject : Credit Bureau Non-<em>Compliance</em> Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and <em>TransUnion</em> for their continued failure to remove fraudulent <em>accounts</em> from my credit report despite my repeated disputes.\n\n<em>Case</em> Background : I was a victim of identity theft, which resulted in multiple unauthorized <em>accounts</em> appearing on my credit report. \nI filed a police report ( <em>Case</em> # <em>XXXX</em> ) and submitted it to the credit bureaus."]},"sort":[13.951465,"12729201"]},{"_index":"complaint-public-v1","_id":"12728947","_score":13.947729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.\n\nCase Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. \nI filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. \nDespite multiple dispute requests, they have refused to remove these fraudulent items. \nThis is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.\n\nFraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.","date_sent_to_company":"2025-03-31T02:30:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"12728947","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-31T02:29:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : Credit Bureau Non-<em>Compliance</em> Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and <em>TransUnion</em> for their continued failure to remove fraudulent <em>accounts</em> from my credit report despite my repeated disputes.\n\n<em>Case</em> Background : I was a victim of identity theft, which resulted in multiple unauthorized <em>accounts</em> appearing on my credit report. \nI filed a police report ( <em>Case</em> # <em>XXXX</em> ) and submitted it to the credit bureaus."]},"sort":[13.947729,"12728947"]},{"_index":"complaint-public-v1","_id":"12737466","_score":13.812988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against TransUnion for their continued failure to remove fraudulent accounts and inquiries from my credit report despite my repeated disputes. \n\nCase Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts and inquiries appearing on my credit report. \nI filed a police report ( Case # XXXX ) and submitted it to the credit bureaus.\n\nDespite multiple dispute requests, they have refused to remove these fraudulent items.\n\nThis is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.\n\nFraudulent Hard Inquiries : I demand the immediate removal of these fraudulent inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.","date_sent_to_company":"2025-03-31T03:29:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30035","tags":null,"has_narrative":true,"complaint_id":"12737466","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-31T03:15:42.000Z","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":["Subject : Credit Bureau Non-<em>Compliance</em> Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against <em>TransUnion</em> for their continued failure to remove fraudulent <em>accounts</em> and inquiries from my credit report despite my repeated disputes. \n\n<em>Case</em> Background : I was a victim of identity theft, which resulted in multiple unauthorized <em>accounts</em> and inquiries appearing on my credit report. \nI filed a police report ( <em>Case</em> # <em>XXXX</em> ) and submitted it to the credit bureaus."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.812988,"12737466"]},{"_index":"complaint-public-v1","_id":"2846621","_score":13.803261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. \nTransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.","date_sent_to_company":"2018-03-18T17:29:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11225","tags":null,"has_narrative":true,"complaint_id":"2846621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-18T17:25:28.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am currently investigating and building a <em>case</em> against <em>TransUnion</em> for willful, negligent and reckless non <em>compliance</em> of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from <em>TransUnion</em>, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. as well as my attorney <em>XXXX</em> <em>XXXX</em> of New York. I will also open a formal complaint with the FTC."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.803261,"2846621"]},{"_index":"complaint-public-v1","_id":"8366574","_score":13.747929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against TransUnion - Violation of Consumer Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a major credit reporting agency, for egregious violations of federal consumer protection laws. My case highlights a severe breach of the Fair Credit Reporting Act ( FCRA ), necessitating your urgent attention and intervention. \n\nDespite my persistent efforts to dispute fraudulent accounts on my credit report, TransUnion has failed to uphold its statutory obligations under the FCRA. Specifically, my attempts to exercise my rights pursuant to 15 U.S. Code 1681c-2, which mandates the blocking of information resulting from identity theft within 4 business days, have been met with non-compliance from TransUnion.\n\nFurthermore, my disputes concerning the fraudulent accounts have gone unanswered, contravening the provisions of 15 U.S. Code 1681i. This section requires credit reporting agencies to conduct a reasonable reinvestigation upon receipt of a consumer dispute. TransUnion 's lack of response not only dismisses my consumer rights but also undermines the credibility of the credit reporting system. \n\nI respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes necessary actions to ensure TransUnion 's compliance with federal laws. I firmly believe that my case serves as a critical example highlighting the pressing need for robust oversight and enforcement to protect consumers from the adverse impacts of identity theft and credit reporting inaccuracies. \n\nThank you for your prompt attention to this matter, and I trust that the Consumer Financial Protection Bureau will address this complaint with the urgency and effectiveness it deserves. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-02-17T19:19:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02139","tags":null,"has_narrative":true,"complaint_id":"8366574","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-17T19:06:59.000Z","state":"MA","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":["My <em>case</em> highlights a severe breach of the Fair Credit Reporting Act ( FCRA ), necessitating your urgent attention and intervention. \n\nDespite my persistent efforts to dispute fraudulent <em>accounts</em> on my credit report, <em>TransUnion</em> has failed to uphold its statutory obligations under the FCRA. Specifically, my attempts to exercise my rights pursuant to 15 U.S."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.747929,"8366574"]},{"_index":"complaint-public-v1","_id":"12350167","_score":13.720417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally request the removal of an inaccurate account from my TransUnion credit report. The account in question, reported by XXXX XXXX XXXX, has already been removed from the other XXXX major credit bureaus, XXXX and XXXX. However, it remains on my TransUnion report despite being legally resolved. \n\nThis matter was settled in the court of XXXX, where the case was dismissed, and I was found not liable for the alleged debt. Given that this account was legally resolved and should not be reported, I request that TransUnion promptly remove it from my credit file to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). \n\nEnclosed, I have included copies of the court dismissal documents for your review. Please update my credit report accordingly and provide written confirmation once this correction has been made.","date_sent_to_company":"2025-03-06T20:34:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60605","tags":null,"has_narrative":true,"complaint_id":"12350167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T20:29:45.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to formally request the removal of an inaccurate <em>account</em> from my <em>TransUnion</em> credit report. The <em>account</em> in question, reported by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, has already been removed from the other <em>XXXX</em> major credit bureaus, <em>XXXX</em> and <em>XXXX</em>. However, it remains on my <em>TransUnion</em> report despite being legally resolved. \n\nThis matter was settled in the court of <em>XXXX</em>, where the <em>case</em> was dismissed, and I was found not liable for the alleged debt."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.720417,"12350167"]},{"_index":"complaint-public-v1","_id":"2850705","_score":13.705199,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. \n\nThe Metro 2 Five points of compliance clearly states the following ... \n\n**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. \n\n3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. \n\nI have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. \nThis is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. \n\nThis account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. \n\nI have even asked them to provide a certificate of compliance that went ignored as well. \n\nMy next step is to take this case to court and sue for a large sum as this is affecting my day to day life. \n\nI have all the evidence I need to support my case. I will attach some of it with this complaint.","date_sent_to_company":"2018-03-22T07:44:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"891XX","tags":null,"has_narrative":true,"complaint_id":"2850705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-22T03:35:36.000Z","state":"NV","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":["The Metro 2 Five points of <em>compliance</em> clearly states the following ... \n\n**1 <em>XXXX</em> is a web-based, Metro 2 compliant, automated system 2 CRAs include <em>XXXX</em> , <em>XXXX</em> , <em>XXXX</em> and <em>TransUnion</em> , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. \n\n3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an <em>account</em> is"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.705199,"2850705"]},{"_index":"complaint-public-v1","_id":"16750864","_score":13.604108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2025, TransUnion reinserted a deleted identity-theft tradeline ( XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) into my credit file without providing written notice as required by FCRA 611 ( a ) ( 5 ) ( B ).\n\nThis account had been previously deleted following my FTC Identity-Theft Report ( ID XXXX ). TransUnion also refused to delete two additional identity-theft accounts and continues to display false name and phone-number variations on my report. \n\nI notified TransUnion through chat and written disputes ; they acknowledged the reinsertion and escalated it under Case # XXXX. I am requesting the CFPB investigate TransUnions reinsertion violation, confirm permanent deletion of all identity-theft accounts, and ensure compliance with FCRA 605B and 611. \nAfter TransUnion deleted the XXXX account, the XXXX XXXX XXXX account was automatically added back to my file within days, demonstrating a data-refresh reinsertion failure.","date_sent_to_company":"2025-10-22T18:04:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"16750864","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-22T17:47:17.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I notified <em>TransUnion</em> through chat and written disputes ; they acknowledged the reinsertion and escalated it under <em>Case</em> # <em>XXXX</em>. I am requesting the CFPB investigate <em>TransUnions</em> reinsertion violation, confirm permanent deletion of all identity-theft <em>accounts</em>, and ensure <em>compliance</em> with FCRA 605B and 611. \nAfter <em>TransUnion</em> deleted the <em>XXXX</em> <em>account</em>, the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>account</em> was automatically added back to my file within days, demonstrating a data-refresh reinsertion failure."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.604108,"16750864"]},{"_index":"complaint-public-v1","_id":"11153215","_score":13.591199,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer Financial Protection Bureau ( CFPB ) TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Violations of the Fair Credit Reporting Act ( FCRA ), Failure to Remove Unauthorized Accounts To Whom It May Concern, This letter serves as my final formal notice to TransUnion regarding your repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., and federal law protecting consumer rights. Despite my multiple submissions of the FTC Fraud Affidavit, drivers license, and proof of address in accordance with 605 ( b ), you have failed to delete the unauthorized accounts and fraudulent information from my consumer report. XXXX and XXXX have already complied with my demands and removed the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your ongoing refusal to remove these accounts constitutes willful non-compliance with your statutory obligations and reflects a pattern of negligence that is unlawful and injurious. \nViolations of Federal Law 1. 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy Under this section, TransUnion is required to ensure the maximum possible accuracy of the information on a consumers report. Your continued reporting of unauthorized accountsdespite receiving sufficient documentationdemonstrates a violation of this duty. The Supreme Court case TransUnion LLC v. Ramirez ( XXXX XXXX XXXX XXXX, XXXX ) affirmed that TransUnion had failed to follow reasonable procedures, resulting in demonstrable harm to consumers. You are repeating these same violations in my case. \n2. 15 U.S.C. 1681i ( a ) Failure to Conduct a Proper Reinvestigation TransUnion has received multiple dispute notices from me, yet you have failed to reinvestigate and remove clearly unauthorized accounts. Federal law mandates that reinvestigations must be reasonable and completed within 30 days. Your failure to act is a blatant disregard of this provision. \n3. 15 U.S.C. 1681b ( a ) Permissible Purpose Continuing to report and disseminate unauthorized accounts to third parties without my consent or a permissible purpose under the law constitutes a violation of 1681b ( a ). Your actions are an unlawful invasion of my privacy and have caused direct harm to my financial standing. \n4. 15 U.S.C. 1681g Failure to Provide Accurate File Disclosure You have also failed to provide a proper explanation or resolution to my dispute, which violates your duty under this section to provide consumers with accurate file information and a clear statement of their rights under the FCRA. \n5. Fraudulent Intent & Constitutional Violations Your repeated refusal to correct the inaccuracies, despite overwhelming documentation, suggests a pattern of fraudulent intent to harm my financial standing. By holding unauthorized information against my will, you are violating my Fifth Amendment rights to due process and equal protection under the law. \nTransUnions Established History of Non-Compliance Your actions mirror TransUnions long-standing history of violating the FCRA, as evidenced in legal cases such as : TransUnion LLC v. Ramirez ( XXXX ) Highlighted TransUnions failure to follow reasonable procedures, resulting in harm to thousands of consumers. \nXXXX XXXX XXXX XXXX  ( XXXX ) TransUnion was held accountable for failing to ensure accuracy in its reports, particularly regarding public record information. \nXXXX XXXX XXXX XXXX ( XXXX ) Demonstrated negligence in handling reinvestigations and ensuring compliance with the FCRA. \nThese cases illustrate TransUnions repeated disregard for federal law, and your actions against me are no different. \nDemand for Immediate Action In accordance with federal law, I demand that TransUnion immediately and permanently delete the following unauthorized accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply will leave me no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \n2. Pursue civil action under 15 U.S.C. 1681n for willful non-compliance and damages, including statutory penalties of {$1000.00} per violation, actual damages, punitive damages, and attorney fees. \n3. Hold your back-office leadership personally accountable for their failure to comply with federal law under XXXX statutes for fraudulent and intentional misrepresentation of information. \nConclusion TransUnions refusal to follow federal law and your continued fraudulent reporting have caused undue harm to my financial well-being and peace of mind. Your conduct is not only unlawful but also deeply unethical. This letter is your final opportunity to resolve this matter before legal and regulatory actions are initiated. \nI expect written confirmation of the removal of the aforementioned accounts within 15 days of receipt of this letter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-12-15T00:38:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32308","tags":null,"has_narrative":true,"complaint_id":"11153215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-15T00:01:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) Demonstrated negligence in handling reinvestigations and ensuring <em>compliance</em> with the FCRA. \nThese <em>cases</em> illustrate <em>TransUnions</em> repeated disregard for federal law, and your actions against me are no different."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.591199,"11153215"]},{"_index":"complaint-public-v1","_id":"17082427","_score":13.583129,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN : XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Identity Theft Blocking CFPB Case No. XXXX / FCRA 605B Compliance To whom it may concern, I am writing in follow-up to my CFPB complaint ( Case No. XXXX ) in which TransUnion stated that there may be potential fraud on my credit report. Because TransUnion has acknowledged this, and because I have submitted a valid identity theft report or Police Report and supporting documentation, I am formally invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA 605B ). TransUnion has not deleted the fraudulent collection. \nXXXX XXXX XXXXXXXX XXXX XXXX original creditor XXXX. Amount XXXX $ XXXX and XXXX have already completed their investigations and removed the same fraudulent accounts and inquiries from my credit reports. Therefore, TransUnion has no legal justification to continue reporting these items if you have also recognized that I may be a victim of identity theft.\n\nUnder FCRA 605B : Once a consumer submits proof of identity theft ( including a police/identity theft report ), the credit reporting agency must block the fraudulent information within four ( 4 ) business days. ( TransUnion failed to do that ) The agency may only refuse to block if the request is found to be false or fraudulent which is not the case here.\n\n- TransUnion keep sending results without any proof.\n\nI have already provided the following documents to TransUnion and/or the CFPB : Identity theft/police report Government-issued identification and proof of address Evidence showing I did not authorize or open the disputed accounts or inquiries Therefore, I am requesting the following actions without delay : 1. Immediate blocking and permanent removal of all fraudulent accounts, inquiries, and any related negative information from my TransUnion credit file.\n\n2. Written confirmation that these items have been deleted pursuant to FCRA 605B.\n\n3. An updated copy of my corrected credit report. \n\nPS : another dispute is on the transunion website waiting on investigation. I hope finally the investigation results in my favor. \n\n\n\nFailure to comply with this federal requirement will result in further action, including escalation to the CFPB, the FTC, state authorities, and potential civil claims for willful noncompliance under FCRA 616 and 617. \n\nThank you for your prompt attention. I expect full compliance and a written response within the time required by law. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-06T09:02:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"290XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17082427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T08:44:48.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, SC <em>XXXX</em> SSN : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> <em>TransUnion</em> LLC <em>XXXX</em>. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, PA <em>XXXX</em> Subject : Urgent Request for Identity Theft Blocking CFPB <em>Case</em> No. <em>XXXX</em> / FCRA 605B <em>Compliance</em> To whom it may concern, I am writing in follow-up to my CFPB complaint ( <em>Case</em> No. <em>XXXX</em> ) in which <em>TransUnion</em> stated that there may be potential fraud on my credit report."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.583129,"17082427"]},{"_index":"complaint-public-v1","_id":"8125969","_score":13.551726,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.\n\nI asked Transunion to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nHowever, Transunion stated everything is complete and accurate! How is that even possible if the open dates, dates of last activity, balances, and much more is incorrect? \n\nThese accounts are not even in compliance with metro 2 credit reporting, as i have evidence to prove my case.","date_sent_to_company":"2024-01-08T13:02:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"627XX","tags":null,"has_narrative":true,"complaint_id":"8125969","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-08T12:54:23.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["These <em>accounts</em> are not even in <em>compliance</em> with metro 2 credit reporting, as i have evidence to prove my <em>case</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.551726,"8125969"]},{"_index":"complaint-public-v1","_id":"11958699","_score":13.526282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) ( if applicable ), and concerns related to identity theft. \n\nOn XX/XX/year>, an account with a balance of {$660.00} was added to my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX, allegedly related to an account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have never had any financial relationship, responsibility, or knowledge of this debt. Furthermore : I have never been contacted by either XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX regarding this alleged debt. \nI have never made any payments to either party, nor have I acknowledged any obligation to this account. \n\nBelieving this to be inaccurate and potentially a case of identity theft, I filed a formal dispute with TransUnion on XX/XX/year>. Shockingly, TransUnion resolved my dispute in only 48 hours, providing their final decision on XX/XX/year>. Their investigation report stated : Weve completed your dispute, but the information was verified as accurate. Other information was also updated. \n\nThis response suggests a lack of a proper, thorough investigation, as required under the FCRA, and fails to address the fraudulent nature of this account. \n\nViolations of Federal Law : 1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX, XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information and failed to correct it after receiving notice of the dispute. \n2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion failed to conduct a reasonable investigation of my dispute, as required within 30 days.\n\nThe fact that the dispute was closed in just 48 hours raises serious concerns about the adequacy of the investigation.\n\n3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion is required to ensure the accuracy of information in consumer reports, which was not upheld in this case.\n\n4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft As this is a case of potential identity theft, the account should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of fraudulent information after receiving notice suggests willful non-compliance, subjecting the responsible parties to civil liability.\n\n6. HIPAA Privacy Rule Violation ( if applicable ) Since this account involves medical debt, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX may have violated HIPAA by improperly handling or disclosing my protected health information ( PHI ) without my authorization.","date_sent_to_company":"2025-02-07T06:01:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11958699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T06:01:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681c-2 : Procedure in <em>Cases</em> of Identity Theft As this is a <em>case</em> of potential identity theft, the <em>account</em> should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-<em>Compliance</em> The continued reporting of fraudulent information after receiving notice suggests willful non-<em>compliance</em>, subjecting the responsible parties to civil liability.\n\n6."]},"sort":[13.526282,"11958699"]},{"_index":"complaint-public-v1","_id":"17353045","_score":13.51793,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to request a investigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. \nBelow are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX TransUnion Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-20T02:56:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33584","tags":null,"has_narrative":true,"complaint_id":"17353045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-20T02:34:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681i - Procedure in <em>case</em> of disputed accuracy, and 15 U.S. Code 1681e ( b ) - <em>Compliance</em> procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. \nBelow are the <em>accounts</em> I am requesting to be reinvestigated : <em>Account</em> Name : <em>XXXX</em> <em>XXXX</em> <em>TransUnion</em> <em>Account</em> Number : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.51793,"17353045"]},{"_index":"complaint-public-v1","_id":"11958693","_score":13.512961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) ( if applicable ), and concerns related to identity theft. \n\nOn XX/XX/year>, an account with a balance of {$660.00} was added to my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX, allegedly related to an account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have never had any financial relationship, responsibility, or knowledge of this debt. Furthermore : I have never been contacted by either XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX regarding this alleged debt. \nI have never made any payments to either party, nor have I acknowledged any obligation to this account. \n\nBelieving this to be inaccurate and potentially a case of identity theft, I filed a formal dispute with TransUnion on XX/XX/year>. Shockingly, TransUnion resolved my dispute in only 48 hours, providing their final decision on XX/XX/year>. Their investigation report stated : Weve completed your dispute, but the information was verified as accurate. Other information was also updated. \n\nThis response suggests a lack of a proper, thorough investigation, as required under the FCRA, and fails to address the fraudulent nature of this account. \n\nViolations of Federal Law : 1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX, XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information and failed to correct it after receiving notice of the dispute. \n2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion failed to conduct a reasonable investigation of my dispute, as required within 30 days.\n\nThe fact that the dispute was closed in just 48 hours raises serious concerns about the adequacy of the investigation.\n\n3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion is required to ensure the accuracy of information in consumer reports, which was not upheld in this case.\n\n4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft As this is a case of potential identity theft, the account should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of fraudulent information after receiving notice suggests willful non-compliance, subjecting the responsible parties to civil liability.\n\n6. HIPAA Privacy Rule Violation ( if applicable ) Since this account involves medical debt, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX may have violated HIPAA by improperly handling or disclosing my protected health information ( PHI ) without my authorization.","date_sent_to_company":"2025-02-07T06:01:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11958693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-07T06:01:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681c-2 : Procedure in <em>Cases</em> of Identity Theft As this is a <em>case</em> of potential identity theft, the <em>account</em> should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-<em>Compliance</em> The continued reporting of fraudulent information after receiving notice suggests willful non-<em>compliance</em>, subjecting the responsible parties to civil liability.\n\n6."]},"sort":[13.512961,"11958693"]},{"_index":"complaint-public-v1","_id":"11957852","_score":13.512961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ), potential violations of the Health Insurance Portability and Accountability Act ( HIPAA ) ( if applicable ), and concerns related to identity theft. \n\nOn XX/XX/year>, an account with a balance of {$660.00} was added to my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX, allegedly related to an account from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have never had any financial relationship, responsibility, or knowledge of this debt. Furthermore : I have never been contacted by either XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, XXXX XXXX XXXX regarding this alleged debt. \nI have never made any payments to either party, nor have I acknowledged any obligation to this account. \n\nBelieving this to be inaccurate and potentially a case of identity theft, I filed a formal dispute with TransUnion on XX/XX/year>. Shockingly, TransUnion resolved my dispute in only 48 hours, providing their final decision on XX/XX/year>. Their investigation report stated : Weve completed your dispute, but the information was verified as accurate. Other information was also updated. \n\nThis response suggests a lack of a proper, thorough investigation, as required under the FCRA, and fails to address the fraudulent nature of this account. \n\nViolations of Federal Law : 1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX, XXXX & XXXX and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information and failed to correct it after receiving notice of the dispute. \n2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion failed to conduct a reasonable investigation of my dispute, as required within 30 days.\n\nThe fact that the dispute was closed in just 48 hours raises serious concerns about the adequacy of the investigation.\n\n3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion is required to ensure the accuracy of information in consumer reports, which was not upheld in this case.\n\n4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft As this is a case of potential identity theft, the account should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of fraudulent information after receiving notice suggests willful non-compliance, subjecting the responsible parties to civil liability.\n\n6. HIPAA Privacy Rule Violation ( if applicable ) Since this account involves medical debt, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX may have violated HIPAA by improperly handling or disclosing my protected health information ( PHI ) without my authorization.","date_sent_to_company":"2025-02-07T06:01:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32828","tags":null,"has_narrative":true,"complaint_id":"11957852","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-07T05:36:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FCRA 15 U.S.C. 1681c-2 : Procedure in <em>Cases</em> of Identity Theft As this is a <em>case</em> of potential identity theft, the <em>account</em> should have been blocked or removed upon my request, in accordance with this section.\n\n5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-<em>Compliance</em> The continued reporting of fraudulent information after receiving notice suggests willful non-<em>compliance</em>, subjecting the responsible parties to civil liability.\n\n6."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.512961,"11957852"]},{"_index":"complaint-public-v1","_id":"6563007","_score":13.431382,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 3 accounts were disputed to TransUnion that the accounts on my credit report are reporting inaccurately. Transunion is in violation of the FCPA for not entering the notice of dispute 30 days after the account or item is disputed. After months of bringing it to the attention of Transunion of the violation, they refuse to delete the inaccurate accounts off my credit report. FCRA 623 ( a ) ( 3 ) states once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. Transunion has sent a response that their records show that they previously completed an investigation and that the accounts were verified. I did not request the accounts be verified. For Transunion 's non-compliance of the FCRA, I am aware that Transunion may be sued by me, the FTC, CFPB, and state governments of a maximum penalty of {$4000.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 62. A copy of the complaint will be sent to the FTC and the Texas Attorney General.","date_sent_to_company":"2023-02-12T17:32:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"6563007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-12T17:03:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em>, XX/XX/<em>XXXX</em>, and XX/XX/<em>XXXX</em>, 3 <em>accounts</em> were disputed to <em>TransUnion</em> that the <em>accounts</em> on my credit report are reporting inaccurately. <em>Transunion</em> is in violation of the FCPA for not entering the notice of dispute 30 days after the <em>account</em> or item is disputed. After months of bringing it to the attention of <em>Transunion</em> of the violation, they refuse to delete the inaccurate <em>accounts</em> off my credit report."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.431382,"6563007"]},{"_index":"complaint-public-v1","_id":"16351199","_score":13.414429,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax, TransUnion, and Experian for systematic violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) that mirror the exact same unlawful practices the CFPB has recently penalized these companies for committing. My credit scores are severely damaged ( XXXX across bureaus ) due to inaccurate negative accounts that these companies refuse to properly investigate despite over one year of disputes. \nDETAILED COMPLAINT : LEGAL VIOLATIONS : These companies are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Sections 1681e ( b ) ( maximum possible accuracy ), 1681i ( reasonable reinvestigation ), and 1681s-2 ( furnisher responsibilities ). They are also violating the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) through unfair, deceptive, and abusive practices that take unreasonable advantage of my inability to protect my interests in accurate credit reporting. \nRECENT CFPB ENFORCEMENT ACTIONS PROVING PATTERN OF VIOLATIONS : My case demonstrates the identical violations the CFPB has already penalized : 1.EQUIFAX - The CFPB fined Equifax {$15.00} XXXX ( XX/XX/year> ) for failing to thoroughly investigate consumer disputes, ignoring consumer documents, allowing reinsertion of deleted inaccuracies, and using flawed software. Equifax is committing these exact same violations in my case. \n2.EXPERIAN - The CFPB sued Experian ( XX/XX/year> ) for conducting \" sham investigations, '' using faulty intake procedures, uncritically accepting furnisher responses, and improperly reinserting inaccurate information. Experian is conducting these same sham investigations on my disputes. \n3.TRANSUNION - TransUnion paid {$23.00} XXXX in class action settlements for failing to remove disputed information, demonstrating the same pattern of non-compliance affecting my case. \nSPECIFIC INACCURATE ACCOUNTS CAUSING HARM : XXXX XXXX accounts XXXX Multiple negative accounts across all three bureaus that are unverifiable and inaccurate XXXX XXXX  accounts - Mortgage-related derogatory items on Equifax and Experian without proper documentation XXXX XXXX account - Negative status on TransUnion and Experian without verification XXXX XXXX  accounts XXXX Derogatory reporting across all three bureaus without proper investigation XXXX XXXX XXXX  account - Negative Equifax reporting without verification XXXX XXXX  XXXX XXXX account - Negative Experian reporting without proper documentation SHAM INVESTIGATION PRACTICES : All three bureaus have conducted the same \" sham investigations '' the CFPB sued Experian for : Generic responses without meaningful review of my evidence Uncritical acceptance of furnisher claims without independent verification Failure to implement adequate procedures to prevent reinsertion of deleted items Ignoring consumer-provided documentation contradicting furnisher claims FINANCIAL HARM : Current FICO scores : Equifax XXXX, TransUnion XXXX, Experian XXXX ( all \" Poor '' ) Credit utilization over 110 % due to inaccurate reporting Unable to obtain credit at reasonable rates Denied for loans, credit cards, and housing Higher insurance premiums due to credit-based scoring Lost employment opportunities requiring credit checks PATTERN OF INDUSTRY-WIDE NON-COMPLIANCE : My case provides evidence that these companies continue the same unlawful practices the CFPB has already identified and penalized. Despite recent enforcement actions totaling over {$60.00} XXXX in penalties, these companies refuse to reform their practices and continue violating federal law. \nREQUESTED RELIEF : 1.Immediate investigation and correction of all inaccurate information 2.Monetary damages for financial harm caused by willful FCRA violations 3.Enforcement action against these companies for continued non-compliance 4.Civil money penalties to deter future violations 5.Systemic reform of their dispute investigation procedures SUPPORTING EVIDENCE : I have submitted comprehensive dispute letters citing all applicable federal laws, recent CFPB enforcement actions, and current case law. I have provided proper identity verification and detailed explanations of each inaccuracy. Despite this, all three bureaus continue to engage in the same unlawful practices the CFPB has already penalized them for. \nCONCLUSION : This complaint demonstrates that Equifax, TransUnion, and Experian are continuing the exact same systematic violations of federal consumer protection laws that have already resulted in millions of dollars in CFPB penalties. Their refusal to properly investigate disputes and continued reporting of inaccurate information constitutes willful non-compliance with the FCRA and CFPA. I request immediate CFPB intervention to compel compliance with federal law and appropriate penalties for their continued violations. \nThe credit reporting industry 's systematic disregard for federal law must be addressed through vigorous enforcement action. My case provides clear evidence of ongoing violations that warrant immediate regulatory intervention.","date_sent_to_company":"2025-10-03T17:46:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"16351199","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-03T17:45:56.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Experian is conducting these same sham investigations on my disputes. \n3.<em>TRANSUNION</em> - <em>TransUnion</em> paid {$23.00} <em>XXXX</em> in class action settlements for failing to remove disputed information, demonstrating the same pattern of non-<em>compliance</em> affecting my <em>case</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.414429,"16351199"]},{"_index":"complaint-public-v1","_id":"16351198","_score":13.409141,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax, TransUnion, and Experian for systematic violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) that mirror the exact same unlawful practices the CFPB has recently penalized these companies for committing. My credit scores are severely damaged ( XXXX across bureaus ) due to inaccurate negative accounts that these companies refuse to properly investigate despite over one year of disputes. \nDETAILED COMPLAINT : LEGAL VIOLATIONS : These companies are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Sections 1681e ( b ) ( maximum possible accuracy ), 1681i ( reasonable reinvestigation ), and 1681s-2 ( furnisher responsibilities ). They are also violating the Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) through unfair, deceptive, and abusive practices that take unreasonable advantage of my inability to protect my interests in accurate credit reporting. \nRECENT CFPB ENFORCEMENT ACTIONS PROVING PATTERN OF VIOLATIONS : My case demonstrates the identical violations the CFPB has already penalized : 1.EQUIFAX - The CFPB fined Equifax {$15.00} XXXX ( XX/XX/year> ) for failing to thoroughly investigate consumer disputes, ignoring consumer documents, allowing reinsertion of deleted inaccuracies, and using flawed software. Equifax is committing these exact same violations in my case. \n2.EXPERIAN - The CFPB sued Experian ( XX/XX/year> ) for conducting \" sham investigations, '' using faulty intake procedures, uncritically accepting furnisher responses, and improperly reinserting inaccurate information. Experian is conducting these same sham investigations on my disputes. \n3.TRANSUNION - TransUnion paid {$23.00} XXXX in class action settlements for failing to remove disputed information, demonstrating the same pattern of non-compliance affecting my case. \nSPECIFIC INACCURATE ACCOUNTS CAUSING HARM : XXXX XXXX accounts XXXX Multiple negative accounts across all three bureaus that are unverifiable and inaccurate XXXX XXXX  accounts - Mortgage-related derogatory items on Equifax and Experian without proper documentation XXXX XXXX account - Negative status on TransUnion and Experian without verification XXXX XXXX  accounts XXXX Derogatory reporting across all three bureaus without proper investigation XXXX XXXX XXXX  account - Negative Equifax reporting without verification XXXX XXXX  XXXX XXXX account - Negative Experian reporting without proper documentation SHAM INVESTIGATION PRACTICES : All three bureaus have conducted the same \" sham investigations '' the CFPB sued Experian for : Generic responses without meaningful review of my evidence Uncritical acceptance of furnisher claims without independent verification Failure to implement adequate procedures to prevent reinsertion of deleted items Ignoring consumer-provided documentation contradicting furnisher claims FINANCIAL HARM : Current FICO scores : Equifax XXXX, TransUnion XXXX, Experian XXXX ( all \" Poor '' ) Credit utilization over 110 % due to inaccurate reporting Unable to obtain credit at reasonable rates Denied for loans, credit cards, and housing Higher insurance premiums due to credit-based scoring Lost employment opportunities requiring credit checks PATTERN OF INDUSTRY-WIDE NON-COMPLIANCE : My case provides evidence that these companies continue the same unlawful practices the CFPB has already identified and penalized. Despite recent enforcement actions totaling over {$60.00} XXXX in penalties, these companies refuse to reform their practices and continue violating federal law. \nREQUESTED RELIEF : 1.Immediate investigation and correction of all inaccurate information 2.Monetary damages for financial harm caused by willful FCRA violations 3.Enforcement action against these companies for continued non-compliance 4.Civil money penalties to deter future violations 5.Systemic reform of their dispute investigation procedures SUPPORTING EVIDENCE : I have submitted comprehensive dispute letters citing all applicable federal laws, recent CFPB enforcement actions, and current case law. I have provided proper identity verification and detailed explanations of each inaccuracy. Despite this, all three bureaus continue to engage in the same unlawful practices the CFPB has already penalized them for. \nCONCLUSION : This complaint demonstrates that Equifax, TransUnion, and Experian are continuing the exact same systematic violations of federal consumer protection laws that have already resulted in millions of dollars in CFPB penalties. Their refusal to properly investigate disputes and continued reporting of inaccurate information constitutes willful non-compliance with the FCRA and CFPA. I request immediate CFPB intervention to compel compliance with federal law and appropriate penalties for their continued violations. \nThe credit reporting industry 's systematic disregard for federal law must be addressed through vigorous enforcement action. My case provides clear evidence of ongoing violations that warrant immediate regulatory intervention.","date_sent_to_company":"2025-10-03T17:46:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"16351198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-03T17:45:56.000Z","state":"SC","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":["Experian is conducting these same sham investigations on my disputes. \n3.<em>TRANSUNION</em> - <em>TransUnion</em> paid {$23.00} <em>XXXX</em> in class action settlements for failing to remove disputed information, demonstrating the same pattern of non-<em>compliance</em> affecting my <em>case</em>."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.409141,"16351198"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":4987,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":4987}]}},"product":{"doc_count":4987,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4309,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4299},{"key":"Other personal consumer report","doc_count":10}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":556,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":554},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt 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