Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, file this complaint against TransUnion LLC ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a consumer reporting agency under 15 U.S.C. 1681a ( f ), and furnishers XXXX XXXX, XXXX ( serviced by XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ), XXXX, and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Internal Revenue Service ( IRS ) regulations , and Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). These violations, detailed in my affidavit and TransUnions credit report ( XX/XX/XXXX ), have caused financial harm, emotional distress, and potential identity theft. 

Violations Inaccurate Personal Information ( TransUnion ) : TransUnion reported my name as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX, with incorrect phone numbers and employer, suggesting aggravated identity theft under 18 U.S.C. 1028A. Violates 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b. Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ). 

XXXX XXXX, XXXX : Reported unverified accounts ( ending XXXX, XXXX, XXXX ) without forward flow agreement, transfer assignment, bill of sale, original contract, or account-level documentation. Failed to mark as disputed or issue Form 1099-C. Violates 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ), 1681b ( a ) ( Section 604 ( a ) ), 15 U.S.C. 1692g ( b ), 26 U.S.C. 6050P ( a ). Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 758 F.3d 777 ( 6th Cir. 2014 ) ; Ramos v. LVNV Funding, LLC, No. 18-5496 ( E.D. Pa. 2019 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported unverified accounts without validation, failing to mark disputes or issue Form 1099-C ( First Premier ). Violates 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ), 1681b ( a ) ( Section 604 ( a ) ), 15 U.S.C. 1692g ( b ), 26 U.S.C. 6050P ( a ). Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ). 

XXXX XXXX XXXX XXXX ( XXXX ) : Reported me as an authorized user without consent, violating 15 U.S.C. 1681b, 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ), 1681b ( a ) ( Section 604 ( a ) ), 15 U.S.C. 6802 ( e ). Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ). 

XXXX  : Reported late payments not qualifying as a consumer report under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) ( solely transactions between consumer and furnisher ), without permissible purpose. Violates 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ), 1681b ( a ) ( Section 604 ( a ) ), 15 U.S.C. 1692e ( 8 ). TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ). 

XXXX XXXX : Made an unauthorized inquiry on XX/XX/XXXX, without consent or permissible purpose. Violates 15 U.S.C. 1681b, 15 U.S.C. 1681b ( a ) ( Section 604 ( a ) ). Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir. 2010 ).

Failure to Honor Opt-Out Requests : TransUnion and furnishers ignored my opt-out requests ( XX/XX/XXXX, XX/XX/XXXX ; CFPB Case # XXXX, # XXXX ), violating 15 U.S.C. 6802 ( b ) ( 1 ), 12 C.F.R. 1016.7, 16 C.F.R. 313.7. Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 ( 2007 ).

Pattern of Non-Compliance : TransUnions violations mirror the XXXX XXXX  breach ( $ XXXX settlement, In re XXXX  XXXX XXXX, No. XXXX ( XXXX XXXX XXXX XXXX ) and XXXX TransUnion breach ( CFPB Supervisory Highlights ). See CFPB v. TransUnion, No. 1:22-cv-01880 ( N.D. Ill. 2022 ) ( $ 15M penalty ).

Consumer Harm Inaccurate reporting and unauthorized inquiries caused credit denials, higher interest rates, emotional distress, and potential identity theft, with damages exceeding {$60000.00} under 15 U.S.C. 1681n ( willful noncompliance ), 15 U.S.C. 1681o ( negligent noncompliance ), 15 U.S.C. 1692k, 15 U.S.C. 6805, 26 U.S.C. 6721, 73 P.S. 201-9.2, and 18 U.S.C. 1028A.

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