Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12812191
Complaint Overview
Complaint ID: 12812191
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: Old information reappears or never goes away
State: Delaware
ZIP Code: 19713
Date Received: 2025-04-03T12:00:00-05:00
Date Sent to Company: 2025-04-03T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), involving reporting discrepancies and lack of proper dispute handling across Experian, Equifax, TransUnion, and various furnishers. I have already submitted debt validation letters to all the collection agencies involved and have USPS delivery confirmation. I have also submitted a XXXX consumer file request to trace potential upstream file pollution. Below is a breakdown of the issues by account and agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reporting on TransUnion and Equifax, but not Experian Disputed on XX/XX/XXXXXXXX XXXX still shows as active collection No written notice of reinsertion was provided ( required under FCRA 611 ( a ) ( 5 ) ( B ) ) Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting on all 3 bureaus for {$1600.00} Only Experian acknowledges my XX/XX/XXXX dispute TransUnion and Equifax do not mark the account as disputed ( violates FCRA 623 ( a ) ( 3 ) ) Equifax report is missing the Date of First Delinquency, which is required under FCRA Debt validation letter sent and received no verification provided XXXX. XXXX XXXX XXXX XXXX ) Reporting {$2100.00} on all three bureaus Debt validation letter sent and confirmed delivered Still reporting as a collection on Equifax, marked as Closed but with active derogatory status Listed under Other account type unclear classification Disputed by consumer no documentation provided XXXX. XXXX / XXXX ( XXXX ) Reported on Experian and Equifax as a {$100.00} charge account I never received, used, or activated this card Disputed with Experian in XX/XX/XXXX XXXX but the account was verified without any documentation Credit limit is {$100.00} / High balance is {$0.00} no usage ever occurred Closed by creditor, not consumer possibly tied to a fraudulent Texas address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported on Equifax only for {$2600.00} Previously deleted from other bureaus Reappeared on Equifax as of XX/XX/XXXX, without reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Last payment was in XXXX this may be an illegal re-aging of the debt Account is disputed 6. Experian Inaccurate Personal Information Experian is listing 26 separate addresses on my report, including one from Texas where I have never lived This is likely the result of file contamination or mixed file identity theft TransUnion and Equifax both correctly show only my 3 most recent addresses Experian has ignored prior disputes to remove these This violates FCRA 607 ( b ) : failure to maintain accurate, complete, and up-to-date consumer file information Requested Resolution : Immediate deletion of any unverifiable, inaccurate, or misrepresented accounts Mandatory dispute markings across all bureaus Documentation proving ownership and origin of any debt accounts Deletion of the fraudulent Macys tradeline Removal of the Texas address and other inaccurate personal info from Experian Review of XXXX XXXX account for possible illegal re-aging or reinsertion Bureau-level enforcement of compliance
Frequently Asked Questions
What is Complaint #12812191 about?
Complaint #12812191 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 2025-04-03T12:00:00-05:00.
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.