Consumer complaint received 2025-10-29 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:
I recently reviewed my credit report and found something that really concerns me. There are two accounts reporting ( XXXX  Account Number : XXXX and XXXX  Account Number : XXXX ) that I never authorized. I didnt open them, I didnt give permission for them to appear on my file, and I definitely didnt consent to have them reported to any credit bureau. 

I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for these accounts to be on my credit file. Their presence has been causing ongoing damage to my financial stability and reputation. I filed a valid Police Report ( Case No. XXXX ) documenting this identity misuse, and despite this, TransUnion continues to report these accounts and related hard inquiries. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumers credit file may only contain information obtained for a lawful permissible purpose. The inclusion of these accounts and related hard inquiries without any documented consent constitutes a direct violation of this section. They are using and disclosing my non-public personal information without authorization.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity theft report to a credit bureau , the agency must block the disputed information within four ( 4 ) busines
s days. I submitted a valid Police Report ( Case No. XXXX ), yet TransUnion continues to report these accounts, violating its federal duty to block and delete the information in the timeframe required by law.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : TransUnion has failed to maintain only accurate, verifiable, and complete information. Reporting accounts that were never authorized doesnt meet this legal standard. The absence of any verifiable documentation from either the furnisher or the bureau clearly shows noncompliance with this section.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate : Under this section, when a dispute is submitted, the bureau must conduct a reasonable reinvestigation and delete any information that can not be verified. Since theres no written proof or consumer authorization supporting these accounts, TransUnion is legally required to delete them.

Additionally, under FCRA Section 611 ( a ) ( 5 ) ( B
), if TransUnion deletes the information but attempts to reinsert it later, it must first obtain written certification from the furnisher verifying accuracy, notify me in writing within 5 business days, and possess actual documentary evidence that I authorized the accounts. A simple system note or phone verification does not meet the federal standard.

Metro 2 Compliance Violations : The data furnished also fails Metro 2 accuracy requirements established by the CDIA. The reported information is incomplete, inaccurate, and inconsistent because : I never authorized or opened these accounts.

The related inquiries lack a valid permissible purpose.

There is no documentation supporting their inclusion.

Under both the FCRA and Metro 2, this data is materially incorrect and must be permanently removed.

PERSONAL IMPACT : This isnt just a technical issue its a real financial burden. These unauthorized accounts have significantly lowered my credit score.

When I applied for a mortgage recently, I was denied, and the loan officer specifically cited these accounts as the reason. I was only able to secure a car loan at an extremely high interest rate, which means Im overpaying every single month for a debt that shouldnt exist. 

Ive also been denied a credit card I needed for daily expenses, and each new application triggers another credit pull, worsening the problem. Ive spent countless hours making calls, gathering documents, and researching how to fix this all for accounts that should never have appeared in my file. 

This has caused serious emotional distress and ongoing financial harm. My financial goals including homeownership and improving my creditworthiness are on hold because of these reporting errors.

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 explanation