Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is submitted against TransUnion for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in regard to multiple disputed items that remain inaccurately reported on my credit file. Despite XXXX formal disputes, TransUnion has continued to report inaccurate late payments, fraudulent accounts, and unauthorized hard inquiries without providing any legal verification or documentation. 

As outlined under FCRA 611, TransUnion has a legal duty to conduct an actual reinvestigation and can not rely solely on responses from data furnishers. Case law such as XXXX XXXX BAC Home Loans Servicing, XXXX and XXXX XXXX Equifax XXXX. XXXX, XXXX XXXX that credit bureaus must verify disputed data independently and delete unverifiable items. 

TransUnion failed to provide : Copies of documentation bearing my signature. 

Contact details or departments of those who verified the entries. 

Proof of permissible purpose for the listed inquiries. 

Disputed Accounts Issues and Requested Actions XXXX XXXX XXXX Issue : Late payments are incorrectly reported and conflict with my actual payment history. 

Requested Action : Remove all late payments associated with this account. Keep the account active and open. 

XXXX XXXX XXXX Issue : The account reflects delinquencies that are unsupported and unverifiable. 

Requested Action : Delete all negative payment history while leaving the account open in good standing. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported despite not being credit-related and with no arrears to justify derogatory status. 

Requested Action : Completely delete this account from my credit report as no permissible purpose exists for its reporting. 

Disputed Inquiries Issues and Requested Actions XXXX XXXX XXXX XXXX  : This inquiry was made without my consent or an associated credit application. 

Requested Action : Remove this inquiry from my credit file due to lack of authorization. 

XXXX XXXX XX/XX/XXXX Issue : This credit pull was not initiated by me and is not linked to any transaction. 

Requested Action : Delete the unauthorized inquiry immediately. 

XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry not initiated by me. 

Requested Action : Remove this entry and provide documentation if TransUnion believes it was valid. 

FCRA Violations by TransUnion FCRA 611 : Failure to perform a reasonable, documented reinvestigation.

FCRA 609 : Failure to provide supporting records verifying the disputed accounts and inquiries.

FCRA 604 : Reporting of hard inquiries without established permissible purpose.

FCRA 616 & 617 : Willful non-compliance may result in statutory and punitive damages, as well as attorneys fees.

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