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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
METHOD OF VERIFICATION FOR UNAUTHORIZED INQUIRIES XX/XX/scrub> XXXX  To whom it may concern : Trans Union Fraud Dept It has come to my attention that your company has failed to provide the proper dispute on my credit file as requested. Due to this error, I have filed a complaint against your company with the Consumer Financial Protection Bureau and have made them aware of your negligence of the said matter.

I have requested method of verification from your company Trans Union and as of todays date XX/XX/scrub> XXXX, I do not have record nor a physical copy of a letter explaining how you verified the account listed below. I also filed a complaint with the Consumer Financial Protection Bureau and the complaint was closed because you stated it was previously resolved, which is incorrect. 

According to the following : Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C 1681g ], ( a ) information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately discloses to the consumer : ( 2 ) The sources of the information.

I have not seen any proof of the source of your information and my recent communication with the companies prove that the companies did not provide you with the supposed information regarding these collection and student loan accounts you are reporting on my file.

Further, per FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.A. 1681i ] ( a ) Reinvestigation of Disputed Information, for a review of my rights to demand a reinvestigation and have inaccurate information promptly deleted. Since all three bureaus were reporting different information, how can there be any confidence that any of them are correct?

I therefore request that you remove immediately these student loan and collection accounts from my credit report with your firm or provide me with the exact source where you received such information. Failure to do so will require that I take appropriate legal action.

PLEASE REMOVE THIS UNAUTHORIZE INQUIRIES IMMEDIATELY XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX  dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX  dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX  dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX XXXX dated XXXX. 
XXXX. XXXX XXXX dated XXXX. 

Also, I noticed the historical information on this account is invalid and has multiple errors reporting on this account. Please verify accuracy of the information or remove the entire account from my credit report. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
D.O.B. XXXX SS # XXXX Trans Union Confirmation No. XXXX If you get a response to your dispute from the credit bureau saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification and information within 15 days of your request.

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