Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXXXXXX XXXX XXXX XXXX ) that I never authorized. I didnt open it, I didnt give permission for it to appear on my file, and I definitely didnt consent to have it reported to any credit bureau. 

At no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account or the related inquiries. Its presence on my credit file is completely unauthorized and has been causing ongoing harm to my financial stability and reputation. 

After a detailed review of my credit report, I also noticed hard inquiries linked to this same account inquiries that I never initiated or consented to. These entries were made without my knowledge or authorization. 

To formally document this, I filed a Police Report ( Case No. XXXX ) confirming that the account and inquiries were unauthorized. Despite this, TransUnion continues to report the disputed information, violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

LEGAL VIOLATIONS : After researching my rights under the Fair Credit Reporting Act ( FCRA ), I have identified multiple legal violations committed by TransUnion through their reporting and handling of this unauthorized account. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose This section of the FCRA explicitly prohibits access to or reporting of a consumers credit information without a valid permissible purpose. 
There must be a legitimate legal basis backed by my consent for the inclusion of this account and its inquiries. 
I did not sign or authorize anything permitting this account to be created or reported. Since there is no verifiable documentation proving a permissible purpose, TransUnion is in direct violation of Section 604 by reporting data that lacks legal authorization. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Duty to Block Fraudulent Information When a consumer provides an identity theft report, the credit bureau must block and delete the disputed information within four ( 4 ) business days if it can not verify that the data was properly authorized. 
I submitted a valid Police Report ( XXXX ), which legally requires TransUnion to block this account immediately. 
By failing to block or delete the disputed account and related inquiries, TransUnion is in violation of Section 605B, which imposes a strict duty to act upon receipt of verified fraud documentation.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to Assure Maximum Possible Accuracy This section requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
Reporting an account that was never authorized and failing to verify its authenticity does not meet this standard. 
By keeping this information active despite my dispute and supporting documentation, TransUnion has failed to uphold its duty under Section 607 ( b ).

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate and Delete Unverifiable Information Upon receiving a consumer dispute, TransUnion is legally obligated to conduct a reasonable reinvestigation and delete any information that can not be verified with proper documentation. 
There is no written proof that I authorized the XXXXXXXX XXXX XXXXXXXX ( XXXX ) account. Therefore, under Section 611, TransUnion must delete it.

A phone confirmation or system verification from a furnisher is not sufficient to satisfy this obligation only actual documentary evidence is valid. 

FCRA Section 611 ( a ) ( 5 ) ( B ) Reinsertion Restrictions If this account is deleted and later reinserted, TransUnion must follow strict reinsertion protocols : The furnisher must provide written certification verifying the informations accuracy and legitimacy.

TransUnion must notify me in writing within five ( 5 ) business days of the reinsertion. 

There must be documentary proof showing that I authorized the account. 

Failure to comply with these conditions is considered a willful violation under 15 U.S.C. 1681n, making the bureau liable for statutory and punitive damages.

Metro 2 Compliance Violations The disputed account also fails to meet CDIA Metro 2 reporting standards, which require all data reported to be complete, accurate, consistent, and current. 
This account and its associated inquiries violate these standards because : Theyre inaccurate ( I never authorized them ). 

They lack a valid permissible purpose. 

Theres no supporting documentation justifying their inclusion. 

Both under FCRA and Metro 2, this information is fundamentally noncompliant and must be permanently deleted. 

PERSONAL IMPACT : This is not just a technical issue this situation has caused real, measurable harm to my financial life : My credit score dropped significantly, which has limited my access to fair credit opportunities.

When I applied for a mortgage, I was denied, and the loan officer specifically pointed to the unauthorized account as the cause. 

I obtained vehicle financing, but the interest rate was extremely high compared to what I should have qualified for, forcing me to overpay monthly for a debt that is not mine. 

I was denied a credit card, and every new credit application results in additional hard inquiries, worsening the problem. 

Ive spent countless hours making calls, researching, and submitting documentation to fix an issue that originated from inaccurate reporting by TransUnion. 

The stress, frustration, and time lost trying to resolve this issue have negatively affected both my financial goals and my emotional well-being. 

This situation has delayed my plans to rebuild my credit and has created a cycle of financial hardship and anxiety.

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