Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12094426
Complaint Overview
Complaint ID: 12094426
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 30269
Date Received: 2025-02-15T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Subject : ** Request for Investigation of Credit Report Discrepancies and Hard Inquiries Dear Sir/Madam, I am writing to formally request your assistance in resolving inaccuracies and unauthorized hard inquiries present on my Equifax credit report. I have identified several negative items and inquiries that require immediate investigation and correction. Recently, I became aware that I am a victim of a data breach in which my personal information, including my Social Security number, phone number, email, and address, were stolen. I was also impacted by the widely publicized Experian and Equifax data breaches. Due to these breaches, I am deeply concerned that fraudulent activity may have been reported on my credit file without my knowledge. As a result, I am requesting that everything on my report be thoroughly verified to confirm it belongs to me, with actual evidence such as signed agreements or other verifiable documentation provided. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which provide protections regarding the accuracy of reported information. -- - # # # **Legal Understanding** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 : ** This law requires credit reporting agencies and furnishers of information to take reasonable measures to assure the accuracy of reported information. Civil penalties for non-compliance include statutory damages and fines of up to {$4000.00} per violation. 2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 : ** It is a violation for debt collectors to report false or inaccurate information. Violators may face liability for actual damages, statutory damages of up to {$1000.00}, and punitive damages for willful violations. -- - # # # **Hard Inquiries to Be Investigated** The following hard inquiries appear on my report without my authorization and need to be verified or removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNegative Accounts to Be Verified** The following accounts with adverse information require written verification of their validity, including signed evidence : | Creditor | Status | Balance | Past Due | Removal Date | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -- -- -- | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRequested Actions** 1. I request that Equifax, TransUnion, and Experian verify and update my personal information, including addresses, phone numbers, and employer data, as specified. 2. I ask that these agencies and any relevant creditors provide written verification of the debts in question, including proof of my signature for any credit agreement or transaction. 3. I request a detailed response via mail confirming my updated personal information and verification of the debts listed above. Failure to respond adequately to this request may result in further legal action to ensure compliance with federal laws and penalties to the fullest extent. I trust that the CFPB will address this matter promptly and take appropriate steps to ensure the credit reporting agencies comply with their legal obligations. Please let me know if additional documentation is needed. I appreciate your time and assistance in this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12094426 about?
Complaint #12094426 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-15T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.