Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13313706
Complaint Overview
Complaint ID: 13313706
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: Nevada
ZIP Code: 89123
Date Received: 2025-05-02T12:00:00-05:00
Date Sent to Company: 2025-05-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, hereby submit this formal complaint against Experian, Equifax, and TransUnion for their continued and willful violations of federal and state consumer protection laws. Despite multiple written disputes and demands sent to the Bureaus, they continue to report inaccurate, incomplete, and unverifiable information, including late payments, fraudulent collections, and unauthorized hard inquiries. These errors persist in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), XXXX Metro 2 Guidelines , and Nevada consumer statutes. II. Disputed Accounts and Issues : Experian & Equifax : Late Payments XXXX XXXX XXXX : XXXX * * * * XXXX XXXX XXXX : XXXX * * * * inquiries Hard Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX III. Violations Committed by the Bureaus and/or Data Furnishers : A. Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. XXXX ( b ) : Failure to ensure maximum possible accuracy XXXX ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation XXXX ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information XXXX ( a ) ( XXXX ) : Failure to provide reinvestigation results XXXX ( a ) : Failure to disclose the nature and substance of information in the file XXXX ( b ) : Furnishers failure to investigate after CRA notification XXXX ( d ) : Failure to send updated reports to previous recipients B. Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX et seq. XXXX ( a ) : Failure to provide written validation within 5 days XXXX ( b ) : Reporting debt without validation XXXX ( XXXX ) : Reporting information known to be false XXXX & XXXX : Unfair or unconscionable means of collection C. Gramm-Leach-Bliley Act ( GLBA ) XXXX U.S.C. XXXX XXXX ( b ) : Inadequate safeguards for consumer data integrity XXXX ( a ) : Unauthorized disclosure of nonpublic personal information D. Metro 2 Compliance Violations ( XXXX XXXX ) XXXX & XXXX : Inaccurate delinquency reporting XXXX : Inconsistent and duplicative account updates XXXX : Failure to update or delete after dispute resolution XXXX Nevada Consumer Law Violations NRS Chapter XXXX NRS XXXX ( XXXX ) : Knowingly reporting false information NRS XXXX ( XXXX ) : Failure to disclose material information affecting a consumer decision NRS XXXX ( XXXX ) : Misrepresentation on a credit report NRS XXXX : Entitles consumer to civil remedies, including damages and attorneys fees F. Identity Theft and Security Statutes Nevada Revised Statutes NRS XXXX : Identity theft protections ignored NRS XXXX : Failure to support victims of identity theft NRS XXXX XXXX : Failure to protect personal identifying information IV. Relief Sought : I respectfully request that the CFPB enforce immediate corrective action upon Experian, Equifax, and TransUnion, including : Permanent removal of all late payments and unverifiable accounts listed. Deletion of all unauthorized inquiries identified in this complaint. Full reinvestigation with documented verification provided under XXXX ( a ) ( 6 ). Issuance of corrected reports to all parties who accessed my file in the past 6 months ( XXXX ( d ) ). Provision of a new credit report free of charge reflecting all corrections. Written confirmation that all actions above have been completed. V. Notice of Intent to Escalate : If these violations are not rectified within the mandated 30-day window, I reserve the right to : File civil actions under : FCRA XXXX & XXXX FDCPA XXXX XXXX XXXX Submit complaints to the Federal Trade Commission XXXX FTC ) and Nevada Attorney General Seek actual, statutory, and punitive damages in accordance with applicable law VI. Supporting Documentation : Attached to this complaint are the original certified dispute letters sent to the Bureaus, which include account numbers, dispute details, law codes, and all violations asserted herein. Respectfully Submitted, XXXX XXXX
Frequently Asked Questions
What is Complaint #13313706 about?
Complaint #13313706 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 2025-05-02T12:00:00-05:00.
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.