{"took":2017,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":520,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8227443","_score":21.486961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm a victim of identity theft. My XXXX XXXX XXXX Report number is XXXX. Certified dispute letters were sent to XXXX, Transunion and XXXX frequently since XX/XX/XXXX. XXXX responded to my dispute letters by removing the accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I've disputed the following accounts with Transunion and XXXX on my consumer reports : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX . I will enclose copies of my consumer reports to prove they failed to report the accounts as disputed within 30 days according to the FCRA. I have contacted Transunion and XXXX on numerous occasions to dispute and request removal of the accounts due to the creditors/credit bureaus violating the FCRA Section 623 by Re-Aging the accounts reporting inaccurately, date of last activity reporting inaccurately, collection agency 's failed to report disputed debt, credit bureaus have stated that the accounts are valid, but they failed to provide a method of validation and continued to report inaccurate information, credit bureaus failed to correct information after being provided proof of inaccuracy. I have provided copies of my credit reports proving creditors failed to report the accounts as disputed to Transunion and XXXX. I sent copies of certified dispute letters and I also attached the copies to previous Consumer Financial Protection Bureau complaints. Transunion and XXXX continues to report inaccurate information and have refused to remove the inaccurate information from my consumer report. On Transunion report, XXXX date of last activity is inaccurate, payment history is reporting inaccurately and the account has not been reported as disputed. Transunion and XXXX are reporting date of last activity on the account with XXXX XXXX, and the account has missing account history. XXXX the date of last activity and payment history history is reporting inaccurately, XXXX XXXX date of last activity, payment history, times and days late status is reporting inaccurately. The account has not been reported as disputed. The account with XXXX has been Re-aged and the payment history is missing on the Transunion report. The account with XXXX has not been reported as disputed. Although there has been several re-investigations, Transunion and XXXX continues reporting inaccurate information on my consumer reports On XX/XX/XXXX I mailed certified letters to Transunion, the representative refused to sign for the letters and I received no response. I sent a certified letter requesting XXXX to update my personal information. XXXX is reporting inaccurate variations of my name and addresses after I have provided a copy of my drivers license and a bill. Transunion and XXXX have failed to consistently respond within 30 days via postal service. My last hard copy of the investigation results from XXXX was XX/XX/XXXX. I have consistently been contacting XXXX since XXXX. I am keeping a careful record of my interactions with Transunion and XXXX. My rights have continuously been violated. My credit score is being effected. I'm being forced to pay high interest rates because Transunion and XXXX have failed to comply with the law.","date_sent_to_company":"2024-01-26T04:29:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32301","tags":null,"has_narrative":true,"complaint_id":"8227443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-26T04:29:40.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The account has not <em>been</em> reported as <em>disputed</em>. The account with XXXX has <em>been</em> Re-aged and the payment history is missing on the <em>Transunion</em> report. The account with XXXX has not <em>been</em> reported as <em>disputed</em>. Although there has <em>been</em> several re-investigations, <em>Transunion</em> and XXXX continues reporting inaccurate information on my consumer reports On XX/XX/XXXX I mailed <em>certified</em> <em>letters</em> to <em>Transunion</em>, the representative refused to sign for the <em>letters</em> and I received no response."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[21.486961,"8227443"]},{"_index":"complaint-public-v1","_id":"4970794","_score":20.917385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I mailed dispute letters to Transunion on XX/XX/21 regarding accounts XXXX XXXX Bank and XXXX XXXX. According to certified mail receipts, those letters were received and accepted on XX/XX/21. As of today no response have been provided. After the initial 30 day with no response I sent a follow up letter notifying Transunion that they've failed to respond. It is now XX/XX/21 and I've yet to hear anything from Transunion regarding my initial dispute or follow up. The FCRA allows the bureau 30 days to respond and I have not gotten a response.","date_sent_to_company":"2021-12-03T09:17:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"4970794","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-12-03T03:37:56.000Z","state":"AL","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 mailed <em>dispute</em> <em>letters</em> to <em>Transunion</em> on XX/XX/21 regarding accounts XXXX XXXX Bank and XXXX XXXX. According to <em>certified</em> mail receipts, those <em>letters</em> were received and accepted on XX/XX/21. As of today no response have <em>been</em> <em>provided</em>. After the initial 30 day with no response I sent a follow up letter notifying <em>Transunion</em> that they've failed to respond. It is now XX/XX/21 and I've yet to hear anything from <em>Transunion</em> regarding my initial <em>dispute</em> or follow up."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[20.917385,"4970794"]},{"_index":"complaint-public-v1","_id":"3988296","_score":19.676363,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?\n\nDid the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? \nIf my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?","date_sent_to_company":"2020-12-03T17:21:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89169","tags":null,"has_narrative":true,"complaint_id":"3988296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-12-03T17:21:39.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Did the credit bureau receive my reinvestigation request/<em>dispute</em> <em>letters</em> per the date <em>provided</em> by USPS? \nIf my <em>dispute</em> was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via <em>certified</em> to the credit bureau?"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.676363,"3988296"]},{"_index":"complaint-public-v1","_id":"17633227","_score":19.363894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have submitted three disputes with TransUnion regarding an inaccurate and unverifiable bankruptcy entry on my credit report. XXXX  has already deleted this record after being unable to verify it. I submitted three certified dispute letters and provided court verification showing that the court does not provide bankruptcy information directly to credit bureaus or third party vendors. \n\nI also informed TransUnion multiples times that the courthouse they list on my report is obsolete and is not associated with my bankruptcy, as it has been closed since XX/XX/year>, over two years before I filed. Despite these disputes and documentation, TransUnion continues to report the entry as \" verified as accurate '' and has not provided any supporting documentation or sources showing how they verified it. Their repeated reporting of this unverifiable information violates the Fair Credit Reporting Act, 15 U.S.C.1681i. I am requesting immediate deletion of this entry from my credit file and written confirmation once it is removed.","date_sent_to_company":"2025-12-02T03:01:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17036","tags":null,"has_narrative":true,"complaint_id":"17633227","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-02T02:01:02.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have submitted three <em>disputes</em> with <em>TransUnion</em> regarding an inaccurate and unverifiable bankruptcy entry on my credit report. XXXX  has already deleted this record after being unable to verify it. I submitted three <em>certified</em> <em>dispute</em> <em>letters</em> and <em>provided</em> court verification showing that the court does not provide bankruptcy information directly to credit bureaus or third party vendors."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.363894,"17633227"]},{"_index":"complaint-public-v1","_id":"11724992","_score":19.356716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, In XX/XX/XXXXXXXX I reviewed my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve these issues, including disputing these accounts with TransUnion, debt collectors, and the original creditors. I sent certified letters disputing the accounts, yet TransUnion has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and has not adequately addressed these disputes.\n\nKey Issues with TransUnion : 1. Failure to Investigate Under FCRA Section 611 ( 15 U.S.C. 1681i ) : TransUnion is required to investigate disputes regarding the accuracy of items in a consumers file within 30 days of receiving a dispute. Despite my certified letter disputing the fraudulent accounts, TransUnion has failed to conduct a reasonable investigation or remove these accounts. \n2. Failure to Provide Documentation Under FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : As part of my identity theft dispute, I have the right to request all information related to the fraudulent accounts. TransUnion has not provided this information.\n\n3. Failure to Block Fraudulent Accounts Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : I submitted an FTC Identity Theft Report and supporting documentation, which requires TransUnion to block the reporting of fraudulent information. This obligation has not been fulfilled. \n\nAccounts in Dispute : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}. \n\nDebt Collection Violations : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters disputing these debts, the debt collectors involved have failed to provide adequate verification. \n\nI have attached all relevant documentation, including my FTC Identity Theft Report, certified dispute letters, and supporting evidence. I request your assistance in ensuring TransUnion resolves this matter promptly and adheres to its legal obligations.","date_sent_to_company":"2025-01-25T21:41:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"184XX","tags":null,"has_narrative":true,"complaint_id":"11724992","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-25T21:30:25.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite my <em>certified</em> <em>letters</em> <em>disputing</em> these debts, the debt collectors involved have failed to provide adequate verification. \n\nI have attached all relevant documentation, including my FTC Identity Theft Report, <em>certified</em> <em>dispute</em> <em>letters</em>, and supporting evidence. I request your assistance in ensuring <em>TransUnion</em> resolves this matter promptly and adheres to its legal obligations."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.356716,"11724992"]},{"_index":"complaint-public-v1","_id":"6484252","_score":19.244768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On my TransUnion Credit Report, I have been disputing the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three certified validation letters to PRA, they have not validated nor provided me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report? As for the TransUnion credit report, I have sent six certified letters ( attached with the account highlighed in yellow ) to TransUnion regarding inaccuracies and incompleteness requesting corrections and deletion of the account but they have ignored the documented evidence and continued to report these errors and absences. I have attached my most recent TransUnion credit report ( Dated XX/XX/2023 ) as evidence of these FCRA violations and that these problems have not been corrected : 1 ) the Date of Last Payment is missing, 2. ) the Date of Last Activity is missing, and 3. ) The Date of 1st Delinquency is missing which makes it impossile to determine when this account will fall off the report. The report is also missing the Accounts Charge Off Amount, the Close Date and, unbelievably, the whole Payment History! All of these inaccuraces and incomplete reporting are FCRA violations.","date_sent_to_company":"2023-01-25T17:45:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"378XX","tags":"Older American","has_narrative":true,"complaint_id":"6484252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-25T17:26:48.000Z","state":"TN","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":["On my <em>TransUnion</em> Credit Report, I have <em>been</em> <em>disputing</em> the XXXX XXXX XXXX ( XXXX ), account # XXXX, amount {$610.00}, for close to 12 months due to inaccuracies and incompleteness. First, despite three <em>certified</em> validation <em>letters</em> to PRA, they have not validated nor <em>provided</em> me with any evidence from the original creditor that they own this account. I have never done business with this company nor have they ever contacted me that I owed this debt. Why it is on my credit report?"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.244768,"6484252"]},{"_index":"complaint-public-v1","_id":"3094216","_score":19.178406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I sent a certified letter reference # XXXX to TransUnion at XXXX. XXXX XXXX XXXX, PA XXXX and on XX/XX/XXXX I sent another certified letter reference # XXXX asking for information and validation of three bankruptcies that they have continued to wrongfully report on my credit report. In the letter 1st letter dated XX/XX/XXXX I requested the TransUnion provide me with the name of the courthouse, the name of the clerk who verified the bankruptcies, address, telephone number, documents used to verify the information being reported, name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. \nI contacted the courts on XX/XX/XXXX to request information. Please the attached letters and repsonses. \nI then initiated an online dispute dated XX/XX/XXXX after contacting the courts regarding these reported bankruptcies An auto generated email response was sent on XX/XX/XXXX from TransUnion acknowledgement of the dispute and in addition a link for use to track any updates for the dispute was emailed to me. To this day TransUnion has not provided any online correction or feedback only a generic letter mailed to my home address stating all items had been verified as accurate. \n\n\nTransUnion is illegally reporting information that has not been verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not provided all disputed information must be deleted. \n\nThank you","date_sent_to_company":"2018-12-07T18:08:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"722XX","tags":null,"has_narrative":true,"complaint_id":"3094216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-12-07T17:00:16.000Z","state":"AR","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":["To this day <em>TransUnion</em> has not <em>provided</em> any online correction or feedback only a generic letter mailed to my home address stating all items had <em>been</em> verified as accurate. \n\n\n<em>TransUnion</em> is illegally reporting information that has not <em>been</em> verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not <em>provided</em> all <em>disputed</em> information must be deleted. \n\nThank you"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.178406,"3094216"]},{"_index":"complaint-public-v1","_id":"10822450","_score":19.052505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have made multiple attempts to resolve discrepancies on my credit report by submitting certified letters and making numerous calls to TransUnion. Despite my efforts, they have repeatedly refused to reinvestigate certain items, citing that it is against the Fair Credit Reporting Act ( FCRA ) to re-investigate an issue that has already been previously disputed. \n\nI believe this is a misinterpretation of the FCRA, which requires credit reporting agencies like TransUnion to ensure that all information on credit reports is accurate and up-to-date. The FCRA mandates that if new information or evidence is provided, the credit reporting agency is obligated to investigate and correct any errors, regardless of whether the item was previously disputed. \n\nTransUnion 's refusal to reconsider my dispute appears to be a violation of my rights under the FCRA. I have provided sufficient documentation supporting my claim, yet they are standing firm on their decision, stating that re-investigation of previously disputed items is not required under the law. This stance is leaving me with unresolved errors on my credit report, and I feel that my right to have accurate information reflected is being denied.","date_sent_to_company":"2024-11-16T21:23:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"10822450","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-16T21:17:24.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have made multiple attempts to resolve discrepancies on my credit report by submitting <em>certified</em> <em>letters</em> and making numerous calls to <em>TransUnion</em>. Despite my efforts, they have repeatedly refused to reinvestigate certain items, citing that it is against the Fair Credit Reporting Act ( FCRA ) to re-investigate an issue that has already <em>been</em> previously <em>disputed</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[19.052505,"10822450"]},{"_index":"complaint-public-v1","_id":"3153989","_score":18.8284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$840.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. \n\nAll that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. \n\nSince no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.","date_sent_to_company":"2019-02-16T07:48:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"3153989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-16T02:36:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since no verification of any kind has ever <em>been</em> sent to me or <em>provided</em> by <em>TransUnion</em>, I am seeking that this particular inaccurate assumption is removed immediately."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.8284,"3153989"]},{"_index":"complaint-public-v1","_id":"3153972","_score":18.813576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$3000.00} from XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. \n\nAll that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. \n\nSince no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.","date_sent_to_company":"2019-02-16T07:19:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"3153972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-16T01:58:31.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["Since no verification of any kind has ever <em>been</em> sent to me or <em>provided</em> by <em>TransUnion</em>, I am seeking that this particular inaccurate assumption is removed immediately."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.813576,"3153972"]},{"_index":"complaint-public-v1","_id":"3155825","_score":18.784115,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After sending certified, return receipt letters to TransUnion on XX/XX//18, which they received on XXXX/XXXX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. \n\nAll that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX//18, which was received on XX/XX//18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. \n\nSince no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.","date_sent_to_company":"2019-02-18T06:08:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94510","tags":"Servicemember","has_narrative":true,"complaint_id":"3155825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-18T05:59:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since no verification of any kind has ever <em>been</em> sent to me or <em>provided</em> by <em>TransUnion</em>, I am seeking that this particular inaccurate assumption is removed immediately."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.784115,"3155825"]},{"_index":"complaint-public-v1","_id":"11687189","_score":18.758558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing in regard to the dispute I filed through the Consumer Financial Protection Bureau ( CFPB ) concerning errors on my credit report. Specifically, I have previously submitted certified letters on two separate occasions to provide the necessary identification and documentation to resolve these disputes. However, TransUnions response indicates that these documents were not received, which is inaccurate, as both letters were sent via certified mail and signed for upon delivery. \n\nI would like to formally request that you review your records and correct these inaccuracies. As stated in the dispute, I have provided all the necessary information in compliance with your guidelines, and I believe the errors listed on my credit report should be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). \n\nPlease ensure that the errors in question are rectified and removed from my credit report immediately. If there are any further documentation or clarifications needed from my side, kindly inform me at your earliest convenience. However, I trust that this matter can be resolved promptly given the prior correspondence. \n\nThank you for your immediate attention to this matter. I expect to receive confirmation that the necessary corrections have been made.","date_sent_to_company":"2025-01-23T01:33:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"344XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11687189","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-23T01:24:25.000Z","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":["I am writing in regard to the <em>dispute</em> I filed through the Consumer Financial Protection Bureau ( CFPB ) concerning errors on my credit report. Specifically, I have previously submitted <em>certified</em> <em>letters</em> on two separate occasions to provide the necessary identification and documentation to resolve these <em>disputes</em>. However, <em>TransUnions</em> response indicates that these documents were not received, which is inaccurate, as both <em>letters</em> were sent via <em>certified</em> mail and signed for upon delivery."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.758558,"11687189"]},{"_index":"complaint-public-v1","_id":"2993978","_score":18.702408,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Previously filed via CFPB XXXX  # XXXX ; TransUnion # XXXX ; XXXX   # XXXX : dispute date : XX/XX/2018. \n\nThis Account originally disputed is under account number : XXXX and was reported by XXXX XXXX XXXX XXXX XXXX and to the credit bureaus under the dispute claim numbers above. I am refreshing my dispute of this account with the ( 3 ) credit bureau as it has come to my attention that the true reporting company is the parent company XXXX XXXX who are not recorded as such on my credit reports. I have been writing to XXXX XXXX XXXX XXXX XXXX for months only to find out that this company is not representing themselves truthfully. I contacted the ( 3 ) credit bureaus sending them proof of returned mail provided to me by USPS. The ( 3 ) credit  bureaus have failed to acknowledge who is the reporting agent responsible for reporting inaccurate information on my credit files. It is apparent from my credit file that the collection company is XXXX XXXX XXXX XXXX XXXX trading from XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but this account is actually reported by the parent company XXXX XXXX . The ( 3 ) credit bureaus have failed to disclose their clients details even after years of disputing in writting to XXXX XXXX XXXX XXXX XXXX and the ( 3 ) credit bureausregarding the falsely reported account. The credit bureaus have written to me stating that this company is verified by them. I have attached copies of my latest letters sent to the bureaus and as you can see I wrote my letters in advance ( due to my employment commitment ) but I actually mailed them out by certified mail a little earlier on the XX/XX/2018. \n\nQuestion to TransUnion and XXXX  as I have had no response as yet from Experian : How is it possible that you TransUnion and XXXX can claim that this account is verified when all mail is being returned as undeliverable by the USPS? Why has the ( 3 ) credit bureaus not updated this companies details so that I am aware of whom is reporting incorrect information on my reports? after numerous letters to you informing you that the address for this company reporting on my credit reports is incorrect and that all mail delivered to XXXX XXXX XXXX XXXX XXXX has come back to me as undelivered? ( see attached certificated of mail and dispute letters ). I have received a response via CFB that TransUnion have stated that they are unable to locate a file for me. Well, how can this be true when you are reporting this on account my credit report ( see attached ) ; I provided my driving license to you on line with my complaint ; I provided my social security card on line to you with my complaint ; I provided a copy of my wage slip on line to you with the complaint ; I sent a copy of all letters and copies of certified mail on line to you with the complaint. \nAt no time at all was I advised that XXXX XXXX XXXX XXXX XXXX is not the company responsible for reporting and I was never advisd that it was the parent company XXXX XXXX that I should have been addressing my disputes via mail. I have spent many months and incured expenses for the certified delivery cost to dispute this account and I am totally disgusted about the treatment I have recieved and I am now in the process of filing a small claims inrespect of these issues and intend to sue the ( 3 ) bureaus reporting this inaccurate account and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for the full amount allowed for each case. I have been informed by my attorney that I can sue for the min of {$3000.00} per count and I hope you continue this act of invisibility so that I can sue you all in the state of Florida in the XXXX County Court if this item is not removed from my credit files within 15 days. Please be pre warned.","date_sent_to_company":"2018-08-16T23:22:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"2993978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-08-16T21:46:03.000Z","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":["I have attached copies of my latest <em>letters</em> sent to the bureaus and as you can see I wrote my <em>letters</em> in advance ( due to my employment commitment ) but I actually mailed them out by <em>certified</em> mail a little earlier on the XX/XX/2018. \n\nQuestion to <em>TransUnion</em> and XXXX  as I have had no response as yet from Experian : How is it possible that you <em>TransUnion</em> and XXXX can claim that this account is verified when all mail is being returned as undeliverable by the USPS?"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.702408,"2993978"]},{"_index":"complaint-public-v1","_id":"2919369","_score":18.691566,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing this letter to you regarding the service that I received from the credit reporting bureau Transunion. Beginning in XX/XX/XXXX, I have been working with Transunion Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Transunion Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). \n\nCertified letters were delivered to Transunion on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \n\nAccording ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Transunion several letters demanding that the accounts be verified per the FCRA. In their response to me ; Transunion has stated that the accounts have been verified and updated. However ; Transunion has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. \nI have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Transunion dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Placed for Collection XXXX XXXXXXXX XXXX XXXX XXXX Paid Collection XXXX XXXX XXXX Unpaid Balance Charge Off XXXX XXXX XXXX   XXXX Acct. Sold to XXXX XXXX XXXX XXXX XXXX XXXX Placed for XXXX XXXX XXXX XXXX XXXX Placed for Collection","date_sent_to_company":"2018-05-27T22:17:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37042","tags":"Servicemember","has_narrative":true,"complaint_id":"2919369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-05-27T21:57:36.000Z","state":"TN","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 have sent <em>Transunion</em> several <em>letters</em> demanding that the accounts be verified per the FCRA. In their response to me ; <em>Transunion</em> has stated that the accounts have <em>been</em> verified and updated. However ; <em>Transunion</em> has yet to inform me on how they verified the <em>disputed</em> accounts and they have not <em>provided</em> me with a copy of the original contract with my signature on it as proof that the <em>disputed</em> account has <em>been</em> accurately verified."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.691566,"2919369"]},{"_index":"complaint-public-v1","_id":"2812333","_score":18.681778,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.","date_sent_to_company":"2018-02-13T05:20:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"2812333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-13T00:15:56.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have <em>been</em> trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has <em>been</em> given to <em>Transunion</em> on plenty of occasions. No response has <em>been</em> <em>provided</em>, to date. <em>Transunion</em> has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am <em>disputing</em> this records accuracy."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.681778,"2812333"]},{"_index":"complaint-public-v1","_id":"3807902","_score":18.658869,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion has not investigated or provided any dispute results in any of my dispute investigations. I have sent a dispute letter to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have yet to receive any communication via US Mail. \n\nThe FCRA states that when a consumer submits a written dispute about an item on their credit report, credit bureaus must conduct a reasonable investigation of the disputed debt. Transunion did not do this. \n\nI have attached all 3 letters to this compliant as well as the certified receipt showing that I mailed a letter to them and it was delivered and pick up by Transunion. So, Transunion can not state that they did not receive my dispute nor can they say I didn't submit the proper identification documents because I attached those as well. \n\nMy consumer rights have been violated not once but three times. I understand that we are in a global pandemic and Transunion may be  short staff, that's why I had given Transunion a total of 45 days to investigate instead of the standard 30 days which is required by law.","date_sent_to_company":"2020-08-21T22:21:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3807902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-21T22:02:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have attached all 3 <em>letters</em> to this compliant as well as the <em>certified</em> receipt showing that I mailed a letter to them and it was delivered and pick up by <em>Transunion</em>. So, <em>Transunion</em> can not state that they did not receive my <em>dispute</em> nor can they say I didn't submit the proper identification documents because I attached those as well. \n\nMy consumer rights have <em>been</em> violated not once but three times."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.658869,"3807902"]},{"_index":"complaint-public-v1","_id":"7611812","_score":18.58582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. \n\nXXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my TransUnion and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score. \n\nI have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. \nXX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to TransUnion and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts from my credit report.","date_sent_to_company":"2023-09-27T22:54:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"84015","tags":null,"has_narrative":true,"complaint_id":"7611812","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-27T22:54:23.000Z","state":"UT","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":["XX/XX/23 XX/XX/23 I have also sent <em>certified</em> <em>letters</em> ( with tracking info ) letter to <em>TransUnion</em> and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both <em>disputed</em> derogatory XXXX XXXX XXXX accounts from my credit report."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.58582,"7611812"]},{"_index":"complaint-public-v1","_id":"6536503","_score":18.57491,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX XXXX XXXXXXXX XXXX account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that XXXX and Transunion remove the account from my credit report immediately.","date_sent_to_company":"2023-02-06T20:31:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77099","tags":null,"has_narrative":true,"complaint_id":"6536503","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-06T20:31:04.000Z","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":["I have <em>provided</em> the verification <em>letters</em> I sent to the collection agency that claims I owe this debt and <em>certified</em> mail receipts that have not <em>been</em> responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is <em>disputed</em> and validation is requested."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.57491,"6536503"]},{"_index":"complaint-public-v1","_id":"15489150","_score":18.54681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion has failed to correct verified errors in my credit file despite XXXX prior certified dispute letters and an active CFPB complaint ( ID XXXX ). \n\nMy name continues to be incorrectly reported as XXXX XXXX XXXX instead of my legal name, XXXX XXXX XXXX, despite proper ID and SSN documentation. \n\nTransUnion refuses to delete a closed, zero-balance XXXX XXXX XXXX account ( Acct # ending XXXX ) that was not mine. It belonged to my deceased spouse and is being misattributed to me, in violation of FCRA 609 ( e ) and 611 ( a ). No verification has been provided. \n\nOnly partial action was taken XXXX account ( XXXX XXXX ) was removed, but other verified issues remain unresolved.","date_sent_to_company":"2025-08-25T23:55:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38018","tags":"Older American","has_narrative":true,"complaint_id":"15489150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-25T23:22:33.000Z","state":"TN","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>TransUnion</em> has failed to correct verified errors in my credit file despite XXXX prior <em>certified</em> <em>dispute</em> <em>letters</em> and an active CFPB complaint ( ID XXXX ). \n\nMy name continues to be incorrectly reported as XXXX XXXX XXXX instead of my legal name, XXXX XXXX XXXX, despite proper ID and SSN documentation. \n\n<em>TransUnion</em> refuses to delete a closed, zero-balance XXXX XXXX XXXX account ( Acct # ending XXXX ) that was not mine."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.54681,"15489150"]},{"_index":"complaint-public-v1","_id":"14582551","_score":18.539799,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed two accounts from XXXX XXXX XXXX with TransUnion, including account XXXX XXXX. I sent written requests demanding validation of the debt and a full Method of Verification from TransUnion under FCRA 611 ( a ) ( 7 ). I specifically asked for documentation showing how the accounts were verified including any signed contracts, billing statements, or chain of assignment.\n\nDespite these lawful requests, TransUnion continued to report the XXXX XXXX account without providing proof of verification or a meaningful response. No supporting documentation has ever been provided, and the account remains on my report. \n\nI also clearly requested that the account be marked as in dispute per FCRA 623 ( a ) ( 3 ), but TransUnion failed to reflect that. This omission alone is a violation of the law. \n\nIve already taken the appropriate steps including freezing XXXX, XXXX, and XXXX, and sending certified letters and Ive made every effort to resolve this directly. At this point, TransUnion is knowingly reporting unverifiable and disputed information, which is harming my credit profile unfairly.","date_sent_to_company":"2025-07-11T01:00:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"14582551","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T00:55:42.000Z","state":"NJ","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":["Ive already taken the appropriate steps including freezing XXXX, XXXX, and XXXX, and sending <em>certified</em> <em>letters</em> and Ive made every effort to resolve this directly. At this point, <em>TransUnion</em> is knowingly reporting unverifiable and <em>disputed</em> information, which is harming my credit profile unfairly."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.539799,"14582551"]},{"_index":"complaint-public-v1","_id":"3153982","_score":18.53587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. \n\nAll that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. \n\nSince no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.","date_sent_to_company":"2019-02-16T07:35:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"3153982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-16T02:34:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since no verification of any kind has ever <em>been</em> sent to me or <em>provided</em> by <em>TransUnion</em>, I am seeking that this particular inaccurate assumption is removed immediately."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.53587,"3153982"]},{"_index":"complaint-public-v1","_id":"3763672","_score":18.503164,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint references complaint XXXX, which I feel was closed prematurely. The company referred to a dispute on XX/XX/XXXX, which was not even included in my previous complaint above. \n\nFrom my previous complaint : I sent letters on XX/XX/XXXX, which Transunion received on XX/XX/XXXX. I have not received any response to my disputes requesting a signature that I owe the debt. I sent follow up letters on XX/XX/XXXX, which were received on XXXX. I have not received any communication regarding these disputes requesting a signature that I owe the debt nor did I receive anything from the listed creditors. Also to add, I've disputed directly to XXXX and their address on my credit file is incorrect so there is no way I can reach them by mail. I provided evidence of this, but no action has been taken yet. These issues are preventing me from getting a house and a car, which I can't do until these issues are resolved. \n\nThe company HAS NOT provided any explanation as to why these other disputes have not been addressed in 30 days per the FCRA. I have spent extra time and money documenting each incident as well as using certified mail, yet I have seen no responses from this company. I can continue to send certified letters to the company, but I feel they will go unanswered. There MUST be accountability in this situation per the FCRA. I have attached all documents from the previous complaint.","date_sent_to_company":"2020-07-25T16:30:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33544","tags":null,"has_narrative":true,"complaint_id":"3763672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-25T16:18:36.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The company HAS NOT <em>provided</em> any explanation as to why these other <em>disputes</em> have not <em>been</em> addressed in 30 days per the FCRA. I have spent extra time and money documenting each incident as well as using <em>certified</em> mail, yet I have seen no responses from this company. I can continue to send <em>certified</em> <em>letters</em> to the company, but I feel they will go unanswered. There MUST be accountability in this situation per the FCRA. I have attached all documents from the previous complaint."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.503164,"3763672"]},{"_index":"complaint-public-v1","_id":"3153983","_score":18.496803,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After sending certified, return receipt letters to TransUnion on XX/XX/XXXX, which they received on XX/XX/XXXX, reporting that there were inaccuracies on my credit report in the form of {$11000.00}, originally reported on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, and I that would like some type of verification bearing my signature, I never received any type of verification of any kind. \n\nAll that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/XXXX, which was received on XX/XX/XXXX ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. \n\nSince no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.","date_sent_to_company":"2019-02-16T07:34:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"3153983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-16T02:22:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Since no verification of any kind has ever <em>been</em> sent to me or <em>provided</em> by <em>TransUnion</em>, I am seeking that this particular inaccurate assumption is removed immediately."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.496803,"3153983"]},{"_index":"complaint-public-v1","_id":"3389664","_score":18.488743,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I filed a dispute with regarding a collection account tradeline reported by XXXX XXXX XXXX to my XXXX and Transunion credit files. On XX/XX/2019, I received a notification that the dispute had been completed and no changes were made as XXXX XXXX XXXX had certified to XXXX that the information was accurate. Around XX/XX/2019, I received the same notification from Transunion that the dispute had been completed and no changes were made. As XXXX XXXX XXXX has failed to respond to my debt validation letters, I contacted XXXX and Transunion between XX/XX/XXXX and XX/XX/2019 requesting copies of of the documentation provided by XXXX XXXX XXXX verifying the reported collection account tradeline. Instead of providing the requested documentation, XXXX & Transunion refiled disputes of the tradeline and again reported it had been verified within 2 weeks of filing. \n\nDue to speed in which the dispute was resolved and because I have not received any documentation from either XXXX & Transunion, I feel that 1 ) XXXX XXXX XXXX is using a auto-validation system instead of actually researching the dispute as required by the Fair Credit Reporting Act and 2 )  XXXX and Transunion do not posses any legitimate form of validation of the disputed tradeline.","date_sent_to_company":"2019-09-29T05:01:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63366","tags":"Servicemember","has_narrative":true,"complaint_id":"3389664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-09-29T01:01:07.000Z","state":"MO","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":["On XX/XX/2019, I filed a <em>dispute</em> with regarding a collection account tradeline reported by XXXX XXXX XXXX to my XXXX and <em>Transunion</em> credit files. On XX/XX/2019, I received a notification that the <em>dispute</em> had <em>been</em> completed and no changes were made as XXXX XXXX XXXX had <em>certified</em> to XXXX that the information was accurate. Around XX/XX/2019, I received the same notification from <em>Transunion</em> that the <em>dispute</em> had <em>been</em> completed and no changes were made."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.488743,"3389664"]},{"_index":"complaint-public-v1","_id":"3715702","_score":18.444738,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Letter of Complaint : Refuse to Validate Debt For over two years, I have been disputing this debt. Validation letters have been sent to Ive disputed the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer respond, or update the account. \n\nI have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. \nAccording to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.","date_sent_to_company":"2020-06-25T18:01:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92336","tags":null,"has_narrative":true,"complaint_id":"3715702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-06-25T18:01:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Letter of Complaint : Refuse to Validate Debt For over two years, I have <em>been</em> <em>disputing</em> this debt. Validation <em>letters</em> have <em>been</em> sent to Ive <em>disputed</em> the debt with XXXX, Trans Union, XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I requested proof of validation. So far, none of the companies have <em>been</em> able to provide such proof to me. I have sent multiple follow-up <em>letters</em> to each of the companies, and there still is no proof."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[18.444738,"3715702"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":520,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":520}]}},"product":{"doc_count":520,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":281,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":279},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":220,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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