Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13188882

Complaint Overview

Complaint ID: 13188882

Company: Transunion Intermediate Holdings, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Texas

ZIP Code: 776XX

Date Received: 2025-04-25T12:00:00-05:00

Date Sent to Company: 2025-04-25T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Equifax, Experian, and certain data furnishers. As a direct victim of the XXXX Equifax data breach, my personal information including my Social Security number and date of birth was unlawfully accessed. Following this breach, fraudulent accounts and unauthorized hard inquiries have appeared on my credit reports without my knowledge or consent. Despite submitting a proper identity theft report, proof of my identity, a list of the fraudulent information, and a statement affirming that these accounts were not initiated by me, the bureaus have failed to promptly and thoroughly address my disputes in accordance with 15 U.S. Code 1681c-2 ( a ). Issues Presented : Equifax and Experian failed to block or remove fraudulent accounts and inquiries after receiving all required documentation. Improper use of automated dispute handling systems ( XXXX ) despite my explicit request for a manual reinvestigation under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Reporting and verifying information known to be inaccurate in violation of 15 U.S. Code 1681e ( b ) and 1681s-2 ( a ) ( 6 ). Failure to maintain maximum possible accuracy. Ongoing emotional distress and financial harm resulting from their negligence. Fraudulent Items in Dispute : Unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX ( dates ranging from XXXX ). Fraudulent accounts opened under my name, including XXXX XXXX and XXXX XXXX XXXX XXXX. Requested Resolution : Immediate permanent deletion of all fraudulent accounts and inquiries from my credit reports. Written confirmation of the deletions and updated copies of my corrected credit reports. Compliance with my cease and desist request, including refraining from automated dispute processing. Formal acknowledgment of the receipt of my documentation and a response within 4 days. Legal Citations Supporting My Complaint : 15 U.S. Code 1681c-2 ( a ) Obligation to Block Fraudulent Information 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for Reasonable Reinvestigation 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Possible Accuracy 15 U.S. Code 6801 and 6802 Safeguarding of Personal Information 15 U.S. Code 1692 Prohibition of Unfair and Deceptive Practices Given the documented history of CFPB actions against Equifax and Experian for mishandling disputes, and their negligent behavior resulting in substantial consumer harm, I respectfully request urgent intervention to ensure compliance and remediation. Complainant : XXXX XXXX

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