Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for the continued reporting of inaccurate, unverifiable, and unlawfully obtained information on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Despite my good faith efforts to dispute these errors directly with TransUnion, the agency has failed to comply with its legal duties under FCRA 607 ( b ) ( requirement to assure maximum possible accuracy ) and 611 ( duty to reinvestigate and correct inaccurate information ). These ongoing violations have caused substantial harm to my credit standing, credibility, and financial opportunities. 

Upon reviewing my recent TransUnion credit report, I identified multiple accounts and inquiries that are either inaccurate, unverified, or completely unauthorized. The following examples represent some of the most severe reporting violations : XXXX XXXX XXXXXXXX XXXX ( Account Nos. XXXX * * * *, XXXX * * * *, and XXXX * * * * ) Reported as late payments and collections despite no verified record or legitimate debt obligation. These entries are either duplicate or factually incorrect. 

XXXX XXXX XXXX Account XXXX. XXXX * * * * ) Incorrectly reported with late payments and repeated as a duplicate account, constituting a violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX ( Account No. XXXX * * * * ) Reported as a collection account for a balance of {$430.00}. I have no knowledge or record of any such debt, and TransUnion has failed to provide any documentation verifying its legitimacy. 

In addition, my report contains numerous unauthorized inquiries from insurance and financial companies, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, which were made without my permission or permissible purpose under FCRA 604 ( a ) ( 3 ). These inquiries were not initiated by me, nor was consent provided for any of them. XXXX continued display of these inquiries constitutes a willful disregard for consumer privacy and FCRA compliance. 

I have requested a lawful reinvestigation from TransUnion, as required under FCRA 611 ( a ), yet these items remain uncorrected or verified with insufficient evidence. The reporting and maintenance of such false and unverifiable data not only misrepresents my credit history but also violates the consumer protections guaranteed under federal law. 

I am therefore requesting that the CFPB conduct a thorough investigation into TransUnions compliance with the Fair Credit Reporting Act, and that the XXXX require TransUnion to : Conduct a full and lawful reinvestigation of each disputed account and inquiry. 

Remove or permanently delete all inaccurate, unverifiable, and unauthorized information. 

Provide written verification and documentation for any data TransUnion intends to maintain. 

Issue a corrected copy of my credit report reflecting all necessary deletions and corrections. 

I also request that the CFPB ensure TransUnion implements stronger consumer verification procedures to prevent continued violations of FCRA 602 ( A ), which affirms that consumer reporting must be fair, impartial, and respectful of the consumers privacy and accuracy rights. 

As a consumer, I have been patient and cooperative in attempting to resolve this directly with TransUnion. However, their repeated failure to uphold their legal obligations now compels me to seek regulatory intervention. 

Thank you for your attention to this serious matter. I trust that the XXXX will take swift and appropriate action to ensure compliance with federal law and restore the integrity of my consumer credit record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief