{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2591,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1759912","_score":14.525179,"_source":{"product":"Credit reporting","complaint_what_happened":"I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.","date_sent_to_company":"2016-01-27T21:13:06.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"60202","tags":null,"has_narrative":true,"complaint_id":"1759912","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-01-27T21:13:04.000Z","state":"IL","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["For some reason, either <em>TransUnion</em> or XXXX XXXX XXXX refuse to correct my credit <em>report</em>. This has occurred because of a fraudulent <em>transaction</em> The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit <em>report</em>. It now appears I do n't make payments on time. My <em>account</em> balance was/is XXXX when this fraudulent <em>transaction</em> occurred. I have filed other <em>disputes</em> with <em>TransUnion</em> since the original <em>dispute</em> and none of them have resolved this issue."],"issue":["Incorrect information on credit <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> status"]},"sort":[14.525179,"1759912"]},{"_index":"complaint-public-v1","_id":"5201748","_score":14.184069,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Today I received notice from XXXX XXXX that TransUnion dropped my score XXXX points. Upon investigation as to why, TransUnion reported that XXXX XXXX reported to them an increase to my credit use by XXXX. This concerned me because my due date is the XXXX of the month and my bill dated is the XXXX of the month and the transaction for XXXX was just posted to my XXXX account on XX/XX/2022. This was not billed yet, so how did Transunion know about the XXXX transaction. \n\nI called XXXX and learned Transunion told them I disputed the balance on my account XX/XX/2022 and therefore they generated an off-cycle report to Transunion and added a note to my credit report a dispute was filed on my account by me. \n\nI did not file a dispute on this account. I would have never filed a dispute because there is not a single late payment on the account, not ever. A dispute would be pointless. \n\nObviously, this is a retaliatory transaction by Transunion to further drop my credit score. \n\nI have reported this LIE to XXXX and they have instructed me on what to do to remove this LIE from my Credit Report. I will follow their directives. \n\nHowever, this does not excuse the blatant LIE Transunion used to gather information fraudulently they were not entitled to get from my account until I was afforded the opportunity to pay off the balance on my account before the scheduled bill date. This time period is given to all consumers and should not have been added to my credit report until XX/XX/2022 if the balance was not paid in full.","date_sent_to_company":"2022-02-08T05:35:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60411","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5201748","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-08T04:45:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called XXXX and learned <em>Transunion</em> told them I <em>disputed</em> the balance on my <em>account</em> XX/XX/2022 and therefore they generated an off-cycle <em>report</em> to <em>Transunion</em> and added a note to my credit <em>report</em> a <em>dispute</em> was filed on my <em>account</em> by me. \n\nI did not file a <em>dispute</em> on this <em>account</em>. I would have never filed a <em>dispute</em> because there is not a single late payment on the <em>account</em>, not ever. A <em>dispute</em> would be pointless."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.184069,"5201748"]},{"_index":"complaint-public-v1","_id":"8870424","_score":13.728541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). \n\nAs per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. \n\nThe reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, XXXX, and TransUnion immediately cease reporting this inaccurate information and update all late payments to \" paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. \n\nI request that XXXX, XXXX, and TransUnion conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. \n\nPlease be advised that if XXXX, XXXX, and TransUnion fail to update the late payments to \" paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. \n\nPlease consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, XXXX, and TransUnion to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. \n\nThank you for your attention to this matter. I anticipate a timely resolution of this dispute. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-04-26T17:43:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"8870424","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-26T17:43:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> the <em>reporting</em> of <em>transaction</em> history, specifically late payments, on my credit <em>report</em> by XXXX, XXXX, and <em>TransUnion</em>. Upon reviewing my credit <em>report</em>, I have observed that all three entities have <em>reported</em> late payments, which I believe to be inaccurate and in violation of the Fair Credit <em>Reporting</em> Act ( FCRA ). \n\nAs per the FCRA, it is illegal to <em>report</em> <em>transaction</em> history, including late payments, on a credit <em>report</em>."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[13.728541,"8870424"]},{"_index":"complaint-public-v1","_id":"5283110","_score":13.638293,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022, Transunion received a report that there was an increase in my balance of {$3100.00} to {$3300.00} ( see attached ). This is not my account. I do not have any bankcard account with this balance. Furthermore, there was no creditor on this report. When I tried to file a dispute against this transaction on transunion.com, it refused to allow me to file a dispute ( see attached ). Therefore, I called and attempted to file a dispute with transunion representative, XXXX ( representative ID ) on XX/XX/2022. He stated he did not see no such transaction. He also refused to send me a credit report and process my dispute via the phone. He also refused to provide his representative ID. He was of no help whatsoever. \n\nTransunion has a very difficult process and prevents consumers from filing subsequent disputes online once they have submitted one dispute. They only allow you to submit and process one dispute at a time. Thus, I am unable to dispute this online.\n\nPlease see attached account. This account is not mine. I do not have any such account with this balance, thus I request this account to be deleted from my credit report. Also, I request that Transunion change their policy and allow a consumer to submit a second dispute while the first one is in process.","date_sent_to_company":"2022-03-03T19:52:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30092","tags":"Servicemember","has_narrative":true,"complaint_id":"5283110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-03T19:28:28.000Z","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":["On XX/XX/2022, <em>Transunion</em> received a <em>report</em> that there was an increase in my balance of {$3100.00} to {$3300.00} ( see attached ). This is not my <em>account</em>. I do not have any bankcard <em>account</em> with this balance. Furthermore, there was no creditor on this <em>report</em>. When I tried to file a <em>dispute</em> against this <em>transaction</em> on <em>transunion</em>.com, it refused to allow me to file a <em>dispute</em> ( see attached )."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.638293,"5283110"]},{"_index":"complaint-public-v1","_id":"14625970","_score":13.615074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am providing an update regarding my open ticket XXXX XXXXXXXX concerning my ongoing dispute with TransUnion over an XXXX XXXX  card account reporting on my credit file. \n\nI have repeatedly requested full validation and verification of this XXXX XXXX  card account from TransUnion. Specifically, I requested : Signature validation of the debt ( signed application or contract showing I agreed to and opened this account ). \n\nA full transaction history supporting the balance and activity reported. \n\n\nInstead of providing these required documents or evidence, TransUnion has repeatedly sent me copies of my credit report. This does not address my dispute and does not constitute a proper investigation or verification. \n\nFurthermore, I already have access to my credit report and do not need to receive XXXX letters from TransUnion containing the same credit report over and over again. This repetitive mailing does not resolve or satisfy the requirements of my dispute. \n\nUnder the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to : Conduct a reasonable investigation of disputed information. \n\nObtain and provide evidence from the furnisher ( XXXX ) confirming the accuracy and validity of the account. \n\nProvide the consumer with the results of that investigation, not simply a reissued credit report. \n\n\nXXXX failure to provide documentation or resolve this dispute properly is a violation of my rights under the FCRA. \n\nI request that the CFPB require TransUnion to either : XXXX. Provide the full supporting documentation, including signature proof and transaction records from XXXX ; or XXXX. Remove the disputed XXXX credit card account from my credit file in accordance with the FCRA. \n\n\n\nThank you for your assistance in addressing this matter and holding TransUnion accountable.","date_sent_to_company":"2025-07-14T16:42:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"14625970","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-13T14:55:52.000Z","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":["A full <em>transaction</em> history supporting the balance and activity <em>reported</em>. \n\n\nInstead of providing these required documents or evidence, <em>TransUnion</em> has repeatedly sent me copies of my credit <em>report</em>. This does not address my <em>dispute</em> and does not constitute a proper investigation or verification. \n\nFurthermore, I already have access to my credit <em>report</em> and do not need to receive XXXX letters from <em>TransUnion</em> containing the same credit <em>report</em> over and over again."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.615074,"14625970"]},{"_index":"complaint-public-v1","_id":"3657340","_score":13.564458,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or about XX/XX/2020 I disputed several items with Transunion. Transunion failed to investigate the following disputed items on the credit report within 30 days. In addition they failed to provide the information on file for the disputed accounts evidencing proof that i engaged in a consumer transaction..","date_sent_to_company":"2020-05-18T18:48:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19140","tags":null,"has_narrative":true,"complaint_id":"3657340","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-18T18:26:54.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On or about XX/XX/2020 I <em>disputed</em> several items with <em>Transunion</em>. <em>Transunion</em> failed to investigate the following <em>disputed</em> items on the credit <em>report</em> within 30 days. In addition they failed to provide the information on file for the <em>disputed</em> <em>accounts</em> evidencing proof that i engaged in a consumer <em>transaction</em>.."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.564458,"3657340"]},{"_index":"complaint-public-v1","_id":"8398757","_score":13.353247,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed the information from XXXX XXXX XXXX with TransUnion, XXXX and XXXX several times. The credit reports are updated with inaccurate information in which TransUnion, XXXX and XXXX has been made aware of on several occasions. When I asked to receive the information on how it was verified I don't receive anything. The latest dispute with TransUnion was this year XXXX. Started disputing with XXXX in XXXX and they are also reporting transaction history in which the law states is illegal. XXXX they just notated the report saying, \" Consumer disputes after resolution. '' I have sent XXXX XXXX XXXX and opt out letter there for they should not be providing non public personal information to any XXXX party. TransUnion XXXX and XXXX are all XXXX parties. The privacy act of 1974 has been violated on so many levels. per 15 usc 6802 and 15 usc 6805 and 16.cfr. 313. 7 has been violated. It is also showing on the credit reports that the account is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to report transaction history. despite me attempting for years with XXXX TransUnion and XXXX about the information on the reports they have opted not resolve this.","date_sent_to_company":"2024-02-23T03:56:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"8398757","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-23T03:47:51.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is also showing on the credit <em>reports</em> that the <em>account</em> is charged off. A charged off is considered a certificate of indebtedness which means it is income and income must be removed. The law also states it is illegal to <em>report</em> <em>transaction</em> history. despite me attempting for years with XXXX <em>TransUnion</em> and XXXX about the information on the <em>reports</em> they have opted not resolve this."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.353247,"8398757"]},{"_index":"complaint-public-v1","_id":"7783616","_score":13.3518505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I found out recently that there is an account being reported on my credit that I did not consent to or was notified about this account is also not a credit transaction and is not allowed to be on my credit report I have attempted several times to dispute this with XXXX and TransUnion but they ignore my disputes and update the account with more false information such as addresses and debt amount.","date_sent_to_company":"2023-10-30T03:27:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90022","tags":null,"has_narrative":true,"complaint_id":"7783616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-30T03:27:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I found out recently that there is an <em>account</em> being <em>reported</em> on my credit that I did not consent to or was notified about this <em>account</em> is also not a credit <em>transaction</em> and is not allowed to be on my credit <em>report</em> I have attempted several times to <em>dispute</em> this with XXXX and <em>TransUnion</em> but they ignore my <em>disputes</em> and update the <em>account</em> with more false information such as addresses and debt amount."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.3518505,"7783616"]},{"_index":"complaint-public-v1","_id":"6961919","_score":13.2913265,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. TransUnion and XXXX is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that TransUnion and XXXX send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX XXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and TRANSUNION & XXXX have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from my report.","date_sent_to_company":"2023-05-10T16:01:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19114","tags":null,"has_narrative":true,"complaint_id":"6961919","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-10T15:26:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My privacy rights as a consumer are being violated by unwarranted credit <em>reporting</em> that is optional pursuant to the Fair Credit <em>Reporting</em> Act. <em>TransUnion</em> and XXXX is <em>reporting</em>, selling, and communicating false debt without my consent. My credit <em>report</em> is inaccurate and is causing the consumer significant harm. I demanded several times that <em>TransUnion</em> and XXXX send the description of their reinvestigation of a <em>disputed</em> <em>account</em> that they said was a verified <em>account</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.2913265,"6961919"]},{"_index":"complaint-public-v1","_id":"3014097","_score":13.217672,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I disputed a delinquency reported by XXXX to all three credit bureaus. \nXXXX corrected the delinquency with all three bureaus. However, TransUnion is now showing the inaccurate delinquency again on their report. TransUnion corrected the information on XX/XX/18 on my report, and I have a TransUnion Dispute Results report that shows the correct account status from their investigation dated XX/XX/18. On XX/XX/18 the status reverted back to the original delinquency. I called XXXX and they stated that no new data has been reported to TransUnion since they corrected the status in XXXX and the account is closed. I called TransUnion and they told me I need to file another dispute and claimed that XXXX reported the account delinquent again. TransUnion is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate transaction and is costing me {$2500.00} per month in rental income.","date_sent_to_company":"2018-09-09T13:44:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60625","tags":null,"has_narrative":true,"complaint_id":"3014097","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-09-09T13:10:14.000Z","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 called XXXX and they stated that no new data has been <em>reported</em> to <em>TransUnion</em> since they corrected the status in XXXX and the <em>account</em> is closed. I called <em>TransUnion</em> and they told me I need to file another <em>dispute</em> and claimed that XXXX <em>reported</em> the <em>account</em> delinquent again. <em>TransUnion</em> is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate <em>transaction</em> and is costing me {$2500.00} per month in rental income."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[13.217672,"3014097"]},{"_index":"complaint-public-v1","_id":"18276244","_score":13.166616,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. \n\nI","date_sent_to_company":"2025-12-24T20:31:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":"Servicemember","has_narrative":true,"complaint_id":"18276244","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-24T20:17:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["EXPERIAN, EQUIFAX, AND <em>TRANSUNION</em> HAS FAILED TO PROPERLY INVESTIGATE MY <em>DISPUTES</em>, <em>REPORTING</em> MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally <em>disputing</em> a <em>transaction</em> or an <em>account</em> that I have learned has been made, opened or applied for with you. I did not make this <em>transaction</em> or open or apply for this <em>account</em> and have not authorized anyone else to do so for me. You may consider this <em>transaction</em> or <em>account</em> to be fraudulent."],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[13.166616,"18276244"]},{"_index":"complaint-public-v1","_id":"18276246","_score":13.16023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. \n\nI","date_sent_to_company":"2025-12-24T20:31:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":"Servicemember","has_narrative":true,"complaint_id":"18276246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-24T20:31:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["EXPERIAN, EQUIFAX, AND <em>TRANSUNION</em> HAS FAILED TO PROPERLY INVESTIGATE MY <em>DISPUTES</em>, <em>REPORTING</em> MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally <em>disputing</em> a <em>transaction</em> or an <em>account</em> that I have learned has been made, opened or applied for with you. I did not make this <em>transaction</em> or open or apply for this <em>account</em> and have not authorized anyone else to do so for me. You may consider this <em>transaction</em> or <em>account</em> to be fraudulent."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.16023,"18276246"]},{"_index":"complaint-public-v1","_id":"18276245","_score":13.149538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE DISPUTED FRAUDULENT INFORMATION REPORTING ON MY CREDIT FILE TO EXPERIAN, EQUIFAX, AND TRANSUNION FOR 9 MONTHS. I HAVE SENT IN FTC Report, stated that I was a victim of EQUIFAX DATA BREACH, Provided the fraudulent accounts, Asked them to remove charges, fees, and stop reporting to credit bureaus, Include evidence : Attach your FTC report and ID copy. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES, REPORTING MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with my local police department and a copy is attached. Under federal and California laws, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using an identity theft victims identity. \n\nI","date_sent_to_company":"2025-12-24T20:31:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90069","tags":"Servicemember","has_narrative":true,"complaint_id":"18276245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-24T20:31:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["EXPERIAN, EQUIFAX, AND <em>TRANSUNION</em> HAS FAILED TO PROPERLY INVESTIGATE MY <em>DISPUTES</em>, <em>REPORTING</em> MISLEADING INFORMATION, REINSERTING INFORMATION CAUSED BY FRAUD. \n\n\n\n\nI am a victim of identity theft. I am formally <em>disputing</em> a <em>transaction</em> or an <em>account</em> that I have learned has been made, opened or applied for with you. I did not make this <em>transaction</em> or open or apply for this <em>account</em> and have not authorized anyone else to do so for me. You may consider this <em>transaction</em> or <em>account</em> to be fraudulent."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.149538,"18276245"]},{"_index":"complaint-public-v1","_id":"6500599","_score":13.12909,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of Identity theft There is information on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. \nI have requested to Transunion credit reporting agency to remove, deleted this information from my credit file. \nI have filed several disputes with Transunion requesting to investigate and remove the a bellow accounts information from my credit file I have filled a Identity Theft report with the Federal trade Commission report # XXXX I mailed this report to Transunion several occasion using US certified tracking number # XXXX XXXX XXXX XXXX XXXX and their robotic response continuously denied accepting my dispute of information Transunion keep violating my consumer right under 15 U.S.C 1681a ( q ) ( 4 ) Definition : identity My request to deleted those accounts is not being made in error since I submitted to Transunion a notarized letter to dispute such information the letter was notarized by XXXX XXXX XXXX XXXX Public Oregon XXXX NO XXXX this letter will be added to this dispute why Transunion response in a letter my dispute is an error? \nthe accounts result of Identity Theft that I have reported several times to Transunion are : Account name : XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX. Account number : # XXXX. \nAccount name : XXXX XXXX XXXX. Account number : # XXXX Account name : XXXX XXXX XXXX XXXX. Account number : # XXXX. \nAccount name : XXXX XXXX XXXX. Account number : # XXXX Hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX Hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX my request to block and delete such information is not made on the basis of a material misrepresentation of fact by me relevant to the request to the identified transaction. The identified transaction are not information related to any transaction by me as a consumer. \nwhy Does TransUnion accused me of misrepresentation?\n\ncan you provide the prove you have for making such as accusation?\n\nTransunion letter will be added Transunion lied in a letter reporting to me that those accounts were removed from my credit file Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.","date_sent_to_company":"2023-01-28T09:45:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97080","tags":null,"has_narrative":true,"complaint_id":"6500599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-28T07:30:23.000Z","state":"OR","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 filed several <em>disputes</em> with <em>Transunion</em> requesting to investigate and remove the a bellow <em>accounts</em> information from my credit file I have filled a Identity Theft <em>report</em> with the Federal trade Commission <em>report</em> # XXXX I mailed this <em>report</em> to <em>Transunion</em> several occasion using US certified tracking number # XXXX XXXX XXXX XXXX XXXX and their robotic response continuously denied accepting my <em>dispute</em> of information <em>Transunion</em> keep violating my consumer right under 15 U.S.C 1681a ( q ) ( 4 ) Definition"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.12909,"6500599"]},{"_index":"complaint-public-v1","_id":"5519104","_score":13.096278,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have files dispute reports with Transunion, XXXX and XXXX but to no avail. I believe in accordance to the Fair Credit Reporting act, These Three credit bureaus has failed to investigate properly the accuracy of the report published. These bureaus had been instrumental to the violation of my rights. \n\nTransunion reported that the Creditor XXXX XXXX XXXX is owed {$1100.00}. In the reporting, Transunion has published a duplicated report that has failed to state the actual date the account had been opened. It was stated that the account was opened on XX/XX/XXXX and the second reporting stated XXXX XXXX citing the same amount owed. \n\nAnother falsly reported entry on Transunion and XXXX was a creditor from XXXX XXXX  in the amount of {$310.00}. I disputed this transaction as a transaction I am not aware of according to the reporting. It was stated that the account was opened in XX/XX/XXXX. I made it known that I did not become a customer of XXXX until my XXXX XXXX XXXX XXXX, XXXX address in XXXX. I had been a victim or Identity theft and report had been made with the law enforcement.","date_sent_to_company":"2022-04-29T20:58:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"5519104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-29T20:20:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["In the <em>reporting</em>, <em>Transunion</em> has published a duplicated <em>report</em> that has failed to state the actual date the <em>account</em> had been opened. It was stated that the <em>account</em> was opened on XX/XX/XXXX and the second <em>reporting</em> stated XXXX XXXX citing the same amount owed. \n\nAnother falsly <em>reported</em> entry on <em>Transunion</em> and XXXX was a creditor from XXXX XXXX  in the amount of {$310.00}. I <em>disputed</em> this <em>transaction</em> as a <em>transaction</em> I am not aware of according to the <em>reporting</em>."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[13.096278,"5519104"]},{"_index":"complaint-public-v1","_id":"12583918","_score":13.036416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit report from TransUnion contains a fraudulent collection account from XXXX XXXX XXXX for {$370.00}, originally from XXXX XXXX. This account was opened on XX/XX/2025, but I had no involvement in this transaction. I submitted a dispute to TransUnion on XX/XX/2025, under my rights outlined in Section 605B of the Fair Credit Reporting Act, requesting the removal of this fraudulent account. Despite providing necessary documentation, the account remains on my report. I am requesting CFPBs assistance in ensuring TransUnion promptly blocks this fraudulent account and notifies the furnisher as required by law.","date_sent_to_company":"2025-03-21T03:08:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"55379","tags":null,"has_narrative":true,"complaint_id":"12583918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-21T02:57:23.000Z","state":"MN","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":["The credit <em>report</em> from <em>TransUnion</em> contains a fraudulent collection <em>account</em> from XXXX XXXX XXXX for {$370.00}, originally from XXXX XXXX. This <em>account</em> was opened on XX/XX/2025, but I had no involvement in this <em>transaction</em>. I submitted a <em>dispute</em> to <em>TransUnion</em> on XX/XX/2025, under my rights outlined in Section 605B of the Fair Credit <em>Reporting</em> Act, requesting the removal of this fraudulent <em>account</em>. Despite providing necessary documentation, the <em>account</em> remains on my <em>report</em>."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.036416,"12583918"]},{"_index":"complaint-public-v1","_id":"18130488","_score":13.026929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing the accuracy of information TransUnion is reporting regarding a loan account furnished by XXXX. \n\nI disputed this account because I was never able to access or manage it. I did not receive login credentials and could not authenticate into the account to view balances, statements, due dates, or payment options. \n\nDespite this access failure, the account was reported with negative information. I disputed the account through TransUnion, requesting that the furnisher validate the account and explain how I was expected to manage it without access. \n\nTransUnion closed the dispute relying on the furnishers response. The materials provided consisted of transaction data and an application audit trail, but did not show that login credentials were delivered to me or that I ever successfully accessed or controlled the account. \n\nTransUnion failed to ensure the accuracy and completeness of the information being reported and relied on incomplete verification from the furnisher. I believe TransUnion did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. \n\nI am requesting that TransUnion correct or delete this account unless the furnisher can demonstrate that I was provided meaningful access to manage the account.","date_sent_to_company":"2025-12-18T02:42:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30132","tags":"Servicemember","has_narrative":true,"complaint_id":"18130488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-18T02:38:19.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>disputing</em> the accuracy of information <em>TransUnion</em> is <em>reporting</em> regarding a loan <em>account</em> furnished by XXXX. \n\nI <em>disputed</em> this <em>account</em> because I was never able to access or manage it. I did not receive login credentials and could not authenticate into the <em>account</em> to view balances, statements, due dates, or payment options. \n\nDespite this access failure, the <em>account</em> was <em>reported</em> with negative information."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.026929,"18130488"]},{"_index":"complaint-public-v1","_id":"12336369","_score":12.976574,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Regarding Violations of FCRA by TransUnion Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized information on my credit report. Despite my efforts to dispute these entries, TransUnion has not fulfilled its legal obligations to investigate and provide evidence in regard to the reinvestigation. The accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA my consumer rights are in violation of : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : Federal courts have clarified that accounts such as delinquent child support, municipal fines, and statutory debts do not arise from a credit transaction and therefore can not be included on credit reports. TransUnions continued reporting of the XXXX XXXX XXXX account directly violates this section. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) : The furnishers of the disputed accounts have failed to provide accurate and verifiable information. TransUnion, as the reporting agency, is responsible for ensuring that only compliant and verified information is reported, which has not occurred in this case. I want the procedures in documentation that was used to verify the accounts listed above. 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) : TransUnion has not conducted a reasonable investigation of my disputes as required. The FCRA mandates the deletion of unverifiable or inaccurate information, and I have provided sufficient documentation to demonstrate the inaccuracies in these accounts. Also, this issue is not from a human trafficking dispute. I called Transunion and spoke with a representative to remove that from the system. This problem we have here is my consumer rights are being violated, 15 U.S.C. 1681e ( b ) ( Accuracy of Information ) : TransUnion is required to ensure maximum accuracy of the information reported. Continuing to include erroneous accounts on my credit report is a direct violation of this provision. Federal rulings, including XXXX XXXX XXXX XXXX TransUnion LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, explicitly state that non-credit-related accounts like child support obligations and municipal fines can not be reported under the FCRA unless tied to a valid credit transaction. TransUnions notice further acknowledges these rulings.","date_sent_to_company":"2025-03-06T05:15:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75224","tags":null,"has_narrative":true,"complaint_id":"12336369","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-06T04:59:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>TransUnions</em> continued <em>reporting</em> of the XXXX XXXX XXXX <em>account</em> directly violates this section. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) : The furnishers of the <em>disputed</em> <em>accounts</em> have failed to provide accurate and verifiable information. <em>TransUnion</em>, as the <em>reporting</em> agency, is responsible for ensuring that only compliant and verified information is <em>reported</em>, which has not occurred in this case."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.976574,"12336369"]},{"_index":"complaint-public-v1","_id":"7899128","_score":12.709551,"_source":{"product":"Debt collection","complaint_what_happened":"I have disputed with this creditor in XX/XX/23 I request bank transaction of proof that was late the creditor never sent the proof it 30 over days to perform investigation theyre age my account the didnt verify the date last active the failed to to an update the creditor has illegally reaged my date late active from XXXX transUnion is missing date last active is unverifiable TransUnion failed to do update my account and to proper investigation the creditors last reported on my account XXXX even though my last dispute XX/XX/23 today XXXX I have not received a update or re investigation from the creditors","date_sent_to_company":"2023-11-24T17:01:29.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33431","tags":null,"has_narrative":true,"complaint_id":"7899128","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-24T16:43:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> with this creditor in XX/XX/23 I request bank <em>transaction</em> of proof that was late the creditor never sent the proof it 30 over days to perform investigation theyre age my <em>account</em> the didnt verify the date last active the failed to to an update the creditor has illegally reaged my date late active from XXXX <em>transUnion</em> is missing date last active is unverifiable <em>TransUnion</em> failed to do update my <em>account</em> and to proper investigation the creditors last <em>reported</em> on my <em>account</em> XXXX even though"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[12.709551,"7899128"]},{"_index":"complaint-public-v1","_id":"3654786","_score":12.690224,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  and Transunion Are both reporting an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit reporting entIties and disputed the transaction. I provided a recent transaction statement which shows that the account is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt. How could they possibly validate a debt that isnt correct when I have a current active transaction report?","date_sent_to_company":"2020-05-16T07:01:37.000Z","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":"3654786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-16T03:01:34.000Z","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":["XXXX  and <em>Transunion</em> Are both <em>reporting</em> an invalid late payment against me. The entity listed isnt even the correct state. I notified both credit <em>reporting</em> entIties and <em>disputed</em> the <em>transaction</em>. I provided a recent <em>transaction</em> statement which shows that the <em>account</em> is not late or past due whatsoever, directly from the ACTUAL STATE entity. XXXX ruled in the entities favor stating that they validated the debt."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.690224,"3654786"]},{"_index":"complaint-public-v1","_id":"22465661","_score":12.674051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a valid identity theft block request to TransUnion pursuant to FCRA 605B / 15 U.S.C. 1681c-2, including an FTC Identity Theft Report, proof of identity, proof of address, and identification of the disputed accounts.\n\nDespite receiving the required documentation, TransUnion refused to block several disputed tradelines and instead processed portions of my request through an automated reinvestigation system utilizing e-OSCAR / XXXX  furnisher responses. TransUnion relied upon generalized references to payment history, prior disputes, or account chronology rather than competent documentary evidence establishing that the disputed transactions were authorized by me. \n\nTransUnion has not provided signed contracts, authenticated applications, proof of authorization, or certified transactional records supporting the continued reporting of the disputed accounts. \n\nMultiple disputed tradelines and collections were deleted during the investigation process, confirming that inaccurate and unverifiable information existed on my consumer report. However, TransUnion continues reporting several disputed accounts despite my identity theft submission and supporting documentation. \n\nAdditionally, TransUnion continues associating disputed tradelines with an inaccurate address that does not belong to me despite receipt of my verified identification documents showing my correct current address.\n\nI believe TransUnion improperly converted a 605B identity theft block request into a standard reinvestigation process and relied upon automated verification procedures instead of complying with the mandatory blocking requirements of the Fair Credit Reporting Act.","date_sent_to_company":"2026-05-22T10:36:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91601","tags":null,"has_narrative":true,"complaint_id":"22465661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-22T10:25:23.000Z","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":["<em>TransUnion</em> relied upon generalized references to payment history, prior <em>disputes</em>, or <em>account</em> chronology rather than competent documentary evidence establishing that the <em>disputed</em> transactions were authorized by me. \n\n<em>TransUnion</em> has not provided signed contracts, authenticated applications, proof of authorization, or certified <em>transactional</em> records supporting the continued <em>reporting</em> of the <em>disputed</em> <em>accounts</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.674051,"22465661"]},{"_index":"complaint-public-v1","_id":"12874485","_score":12.673679,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Regarding Inaccurate and Misleading Reporting of Transactional Late Payments by XXXX and Conflict of Interest in Credit Bureau XXXX XXXX I am filing a formal complaint against XXXX, TransUnion, and XXXX regarding the reporting of multiple late payments on my mortgage account, which appear on my credit report as 120+ days late in XXXX, XXXX, and XX/XX/XXXX, as reported by TransUnion and XXXX. \nThese reported delinquencies are transactional in nature and not reflective of sustained non-payment or default. The account is currently listed as Current as of XX/XX/XXXX, which further supports that these entries do not accurately reflect my ongoing payment behavior. This type of reporting is not only harmful but may be inconsistent with the Fair Credit Reporting Act ( FCRA ), which mandates that consumer data must be complete and accurate ( 15 U.S. Code 1681s-2 ). \nFurthermore, I am deeply concerned about the conflict of interest that exists between the credit bureaus ( namely TransUnion and XXXX ) and the data furnishers they are supposed to monitor for accuracy. According to Securities and Exchange Commission ( SEC ) filings, these credit bureaus derive significant revenue from : Selling data furnished by creditors like XXXX, Providing subscription-based services to these furnishers, Earning fees for dispute handling and resolution. \nThis raises legitimate questions about their incentive to fairly and objectively adjudicate disputes submitted by consumers. A business model that profits from both the sale of derogatory data and from the disputes that such data generates can not be considered impartial. \nThese financial incentives appear to encourage the bureaus to : Favor the furnishers version of events, Minimize the chances of successful consumer disputes, Retain derogatory items that continue to generate revenue. \nIn light of the above and precedent set by cases such as the XXXX XXXX transactional dispute, where similar mischaracterization of billing-related issues was deemed inappropriate, I am requesting the following action from the CFPB : Initiate an investigation into XXXX XXXX reporting of this mortgage account.\n\nExamine the relationship and practices between XXXX, TransUnion, and XXXX for potential violations of the FCRA and conflict of interest. \nRequire the immediate deletion of these improperly reported late payments. \nI have included documentation for your review and would appreciate confirmation that this issue will be thoroughly examined.","date_sent_to_company":"2025-04-08T16:36:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60451","tags":null,"has_narrative":true,"complaint_id":"12874485","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-08T16:30:00.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding Inaccurate and Misleading <em>Reporting</em> of <em>Transactional</em> Late Payments by XXXX and Conflict of Interest in Credit Bureau XXXX XXXX I am filing a formal complaint against XXXX, <em>TransUnion</em>, and XXXX regarding the <em>reporting</em> of multiple late payments on my mortgage <em>account</em>, which appear on my credit <em>report</em> as 120+ days late in XXXX, XXXX, and XX/XX/XXXX, as <em>reported</em> by <em>TransUnion</em> and XXXX."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.673679,"12874485"]},{"_index":"complaint-public-v1","_id":"17896749","_score":12.614938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the reporting of the following account appearing on my TransUnion credit report These accounts contain inaccuracies and must be reviewed and corrected The account is XXXX XXXX XXXXXXXX Acct No XXXX Balance XXXX Date Opened XXXX These fraudulent accounts have resulted in inaccurate and damaging information appearing on my TransUnion consumer FICO credit report and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease pursuant to my rights under the FCRA and FDCPA This serves as a formal complaint under FCRA Section 605B 15 USC Section 1681c2 requesting that TransUnion immediately block and permanently remove the above fraudulent account including any associated collections charge offs or late payments as it was added to my credit file without my knowledge consent or authorization and is the direct result of identity theft rather than any legitimate consumer transaction These accounts were added to my Experian credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX, along with all required supporting documentation.","date_sent_to_company":"2025-12-09T21:00:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"17896749","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-09T20:57:02.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to <em>dispute</em> the <em>reporting</em> of the following <em>account</em> appearing on my <em>TransUnion</em> credit <em>report</em> These <em>accounts</em> contain inaccuracies and must be reviewed and corrected The <em>account</em> is XXXX XXXX XXXXXXXX Acct No XXXX Balance XXXX Date Opened XXXX These fraudulent <em>accounts</em> have resulted in inaccurate and damaging information appearing on my <em>TransUnion</em> consumer FICO credit <em>report</em> and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease"],"issue":["Incorrect information on your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[12.614938,"17896749"]},{"_index":"complaint-public-v1","_id":"9597106","_score":12.500483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. This will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX  XXXX ( XXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. Consumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report. Credit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. Given that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the XXXX XXXX XXXX to enforce my rights under the Fair Credit Reporting Act.","date_sent_to_company":"2024-07-23T06:35:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"97233","tags":null,"has_narrative":true,"complaint_id":"9597106","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-23T06:22:03.000Z","state":"OR","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":["Credit <em>Transaction</em> : Some type of contractual agreement with the consumer that rises to the level of a credit <em>transaction</em> under the law. Given that <em>TransUnion</em> has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit <em>report</em> : <em>Account</em> Name : DEPT OF JUSTICE Child Support <em>Account</em> Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with <em>TransUnion</em>."],"issue":["Improper use of your <em>report</em>"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.500483,"9597106"]},{"_index":"complaint-public-v1","_id":"9541116","_score":12.500483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. \n\nThe fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. \n\nThis will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the National Consumer Assistance Plan ( NCAP ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. \nConsumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report.\n\nCredit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. \nGiven that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the American Arbitration Association to enforce my rights under the Fair Credit Reporting Act.","date_sent_to_company":"2024-07-17T07:07:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97233","tags":null,"has_narrative":true,"complaint_id":"9541116","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-17T06:49:32.000Z","state":"OR","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":["Credit <em>Transaction</em> : Some type of contractual agreement with the consumer that rises to the level of a credit <em>transaction</em> under the law. \nGiven that <em>TransUnion</em> has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit <em>report</em> : <em>Account</em> Name : DEPT OF JUSTICE Child Support <em>Account</em> Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with <em>TransUnion</em>."],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.500483,"9541116"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2591,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2591}]}},"product":{"doc_count":2591,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other 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