Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17266207
Complaint Overview
Complaint ID: 17266207
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: Information belongs to someone else
State: Texas
ZIP Code: 76502
Date Received: 2025-11-14T12:00:00-05:00
Date Sent to Company: 2025-11-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over 30 days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. Violations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory 30-day timeframe. FCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. 15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe. Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information. 18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data. 15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. Metro2/CDIA Violations : Noncompliance with established industry reporting standards. Florida Criminal Statutes : Violations relating to identity theft and consumer fraud. FDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. Fraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX ) Account Number : 30201 Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number:XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number:XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number:XXXXXXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number:XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. XXXX XXXX Account Number : XXXX Violations : FCRA 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA 6801 ( b ), 6802 ( a ) Metro 2 formatting and accuracy violations Texas Deceptive Trade PracticesConsumer Protection Act ( DTPA ) : Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) Texas Debt Collection Act ( TDCA ) : Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) DEMAND : Immediate deletion and permanent blocking of this tradeline under FCRA 1681c-2, TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) due to identity theft, lack of permissible purpose, and failure to verify. This account must be deleted immediately, flagged under Dispute Code 103 Fraudulent, and suppressed permanently as part of your automated fraud deletion protocol, in full compliance with federal and Texas law. Fraudulent Inquiries to Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Demand : Immediate removal of these unauthorized inquiries under FCRA 1681b , 1681c-2, 1681i ( a ), Texas Debt Collection Act ( Tex. Fin. Code 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ) ), and Texas Deceptive Trade PracticesConsumer Protection Act ( Tex. Bus. & Com. Code 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) ) due to lack of permissible purpose, absence of written authorization, and violation of consumer protection laws. Provide full documentation of permissible purpose and signed consumer consent for each inquiry. Unfamiliar or Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand : Immediate deletion of these inaccurate addresses under FCRA 1681e ( b ), 1681i ( a ), TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) as they constitute false and misleading information, harming the accuracy and integrity of my credit file. Incorrect Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Demand : Immediate correction or removal of this employer information under FCRA 1681e ( b ), 1681i ( a ), TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) for reporting inaccurate employment details without verification or consent. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Demand : Immediate removal of these incorrect names under FCRA 1681e ( b ), 1681i ( a ), TDCA 392.304 ( a ) ( 8 ), 392.304 ( a ) ( 19 ), and DTPA 17.46 ( b ) ( 5 ), 17.46 ( b ) ( 7 ), 17.50 ( a ) ( 3 ) as they are materially inaccurate and could cause identity confusion or fraudulent association. Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. Immediate deletion of all unauthorized hard inquiries. Correction of all inaccurate personal information, including addresses, employers, and names. Provision of updated credit reports from all three bureaus confirming these corrections. Implementation of statutory identity theft protections, including fraud alerts. Comprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. Imposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. Supporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.
Frequently Asked Questions
What is Complaint #17266207 about?
Complaint #17266207 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 2025-11-14T12:00:00-05:00.
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.