Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following collection account and the associated unauthorized hard credit inquiries appearing on my TransUnion credit report. I never authorized the sharing of my non-public personal information with XXXX, nor did I receive any legally required notice or validation of debt linking me to the following account. 

Account to Be Deleted Furnisher : XXXX ( Factoring Company ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Balance : {$6000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Collection / Chargeoff Derogatory Creditor Remarks : Placed for collection Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Dispute Status : Not disputed Reporting Bureau : TransUnion only This tradeline is inaccurate, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Hard Inquiries to Be Removed ( TransUnion 11 inquiries ) In addition, I demand the removal of the following unauthorized hard inquiries from my TransUnion credit report. I did not authorize any of these entities to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or permission and must be removed immediately. 
Legal Grounds for Dispute The inclusion of the above account and inquiries violates multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681b Prohibits obtaining or using a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681g & 1681i Gives consumers the right to full disclosure and reinvestigation of disputed items.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate.

15 U.S.C. 1681c-2 ( a ) Requires blocking of information resulting from identity theft or unauthorized use within four business days. 
Requested Resolution I formally request the following : Delete the XXXX tradeline from my TransUnion credit report and all derogatory remarks attached to it. 

Delete the eleven ( 11 ) unauthorized hard inquiries listed above from my TransUnion credit report.

Send me written confirmation within 10 business days that these items have been removed.

Notice of Intended Action If this matter is not resolved promptly and in full compliance with federal law, I will pursue the following : Legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) ; Formal complaints to the Federal Trade Commission ( FTC ), and State Attorney Generals Office ; Civil claims for defamation, emotional distress, and financial harm. 

This letter serves as formal notice under the FCRA. I expect timely resolution and full legal compliance.

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