Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15781457
Complaint Overview
Complaint ID: 15781457
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 status incorrect
State: Georgia
ZIP Code: 30087
Date Received: 2025-09-07T12:00:00-05:00
Date Sent to Company: 2025-09-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am the victim of identity theft and data breaches, including both the Equifax breach and the XXXX breach, which compromised my Social Security number and other private data. As a result, my credit files across all three bureaus Equifax, Experian, and TransUnion now contain false accounts, contradictory charge-off reporting, unauthorized inquiries, and inaccurate personal identifiers. Despite repeated disputes, the credit bureaus continue to verify items without providing any documentary proof such as billing statements, account ledgers, payoff records, or signed applications. This violates FCRA 1681i ( a ), which requires a reasonable reinvestigation and deletion of unverifiable information, and FCRA 1681e ( b ), which requires maximum possible accuracy. 1. False and Contradictory Accounts XXXXXXXX XXXX ( Account ending XXXX ) Reported with late payment codes and settlement notations while also showing OK histories and a {$0.00} balance. These contradictions are impossible under Metro2 standards. Yet the bureaus keep verifying this account. XXXX ( Account ending XXXX ) Reported as charge-off, collection, and paid/closed with a {$0.00} balance at the same time. The tradeline is inherently misleading and unverifiable XXXX Inquiries XXXX XXXX My reports also show hard pulls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized these inquiries, never applied for credit with these companies, and no permissible purpose exists. The bureaus have failed to provide any signed application or IP/timestamp records to support them. XXXX. False Personal Identifiers The bureaus continue to attach identifiers that do not belong to me, including : False names : XXXX XXXX XXXX and XXXX XXXX. False addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA ; XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX CO XXXX increase my risk of file mixing and identity theft, especially after my confirmed exposure in the Equifax and XXXX breaches. 4. Bureau Responses and Ongoing Harm On XX/XX/XXXX, I filed complaints with the CFPB regarding these matters. Each bureau admitted to the CFPB that my disputes are still under review, yet they continue to report the disputed items as verified XXXX direct violation of FCRA 1681i. Because of these failures, my creditworthiness is being misrepresented, my FICO scores are being suppressed, and I am being exposed to reputational and financial harm, including denials of credit opportunities.
Frequently Asked Questions
What is Complaint #15781457 about?
Complaint #15781457 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 2025-09-07T12:00:00-05:00.
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.