Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16531472
Complaint Overview
Complaint ID: 16531472
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: Personal information incorrect
State: Washington
ZIP Code: 99208
Date Received: 2025-10-12T12:00:00-05:00
Date Sent to Company: 2025-10-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because the credit reporting agencies TransUnion, Experian, and Equifax continue to report outdated and unverified personal identifiers on my credit files even after I mailed full proof of my current legal identity and residence. My mailed dispute included a copy of my U.S. Passport Card, Marriage License, and a recent utility bill, which clearly establish my current legal name ( XXXX XXXX XXXX ) and my present address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ). Despite receiving these documents, the bureaus have failed to delete multiple former names, obsolete addresses, and outdated phone numbers that no longer apply to me. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Outdated or unverifiable identifiers are not accurate and create risk of mixed files and identity confusion. Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], the bureaus are required to reinvestigate disputed items within 30 days and delete any information that can not be verified as accurate. Washington State law, RCW 19.182.070 ( 2 ), further requires prompt deletion or modification of any information found to be inaccurate or unverifiable. Because the bureaus have already received verified documentation proving my identity and address, continuing to report outdated identifiers constitutes a violation of both federal and state law. I am requesting that the CFPB review this matter and ensure that the credit bureaus : 1. Permanently delete all outdated or unverifiable identifiers ; 2. Provide me with written confirmation of the deletions ; and 3. Update my credit files to reflect only my correct, current identifying information. This request is made in good faith and does not admit liability for any alleged debt or account. I am simply seeking lawful accuracy and compliance as required by the Fair Credit Reporting Act and Washington State law.
Frequently Asked Questions
What is Complaint #16531472 about?
Complaint #16531472 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 2025-10-12T12:00:00-05:00.
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.