Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15419315
Complaint Overview
Complaint ID: 15419315
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30213
Date Received: 2025-08-20T12:00:00-05:00
Date Sent to Company: 2025-08-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXXXX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate, Fraudulent, and Unverifiable Accounts under the FCRA To Whom It May Concern, I am disputing multiple accounts and personal information entries appearing on my TransUnion credit report. These are inaccurate, incomplete, unauthorized, and/or fraudulent. My information has been compromised in 12 separate data breaches, which increases the likelihood that fraudulent accounts have been created in my name. Pursuant to 15 U.S.C. 1681e ( b ), TransUnion is obligated to ensure maximum possible accuracy of reported information. The following disputed accounts must be deleted immediately unless verified with legally admissible documentation : ( Insert same 40+ itemized account list you provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) The following outdated addresses and employer entries must also be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 Employer : XXXX XXXX XXXX Additional accounts with unverifiable late payments and reporting errors : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX Legal Basis for Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires prompt deletion of unverifiable or inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate consumer information. 15 U.S.C. 1681c : Obsolete or outdated information must be purged. Given my breach history and the lack of verifiable ownership for many of these accounts, they must be permanently deleted. Demand for Action : Complete reinvestigation within 30 days as required by law. Provide written confirmation of all deletions. Provide the exact method of verification for any information retained. If TransUnion fails to comply, I will escalate to the CFPB, FTC, and State Attorney General for willful violations of the FCRA. Sincerely, XXXX XXXX Enclosures : Proof of Identity, Breach Evidence
Frequently Asked Questions
What is Complaint #15419315 about?
Complaint #15419315 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-20T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.