Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a dispute with the Consumer Financial Protection Bureau regarding multiple accounts and credit inquiries that are inaccurately reported on my credit file. I am requesting a full investigation into these matters and appropriate action to ensure that any unverifiable or inaccurate information is removed from my credit reports as required by the Fair Credit Reporting Act ( FCRA ).

Disputed Accounts : 1. XXXX XXXX / XXXX XXXX XXXX  Reported : XX/XX/XXXX & XX/XX/XXXX Balance : {$250.00} Status : Closed / Needs Attention Dispute Reason : This account is duplicated and reported twice under slightly different names. Additionally, the balance and reporting date are inconsistent. I request validation and removal of any duplicate or inaccurate reporting. 
2. XXXX Reported : XX/XX/XXXX Balance : {$250.00} Status : Closed Dispute Reason : I do not recognize this account, and I request documentation validating the debt, including signed agreements and full payment history. 
3. XXXX XXXX  Reported : XX/XX/XXXX Balance : {$130.00} Status : Closed Dispute Reason : The balance and reporting date appear inaccurate. I request verification of the legitimacy and accuracy of this account. 
4. XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Dispute Reason : Although the balance is {$0.00}, I would like confirmation that this account was reported correctly and is not negatively affecting my credit score.

5. XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$42.00} Status : Needs Attention Dispute Reason : I do not recognize this debt. Please provide full validation including original creditor, proof of debt ownership, and account history. 
6. XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$660.00} Status : Needs Attention Dispute Reason : This account has been previously disputed, and no validation has been provided. I request re-investigation and removal if the debt can not be verified. 
7. XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Dispute Reason : These accounts appear to be duplicates or part of a misreported financial product. Please confirm the accuracy and remove any erroneous entry. 



Disputed Inquiries : The following hard inquiries appear without my knowledge or authorization. I did not apply for credit with these institutions and request that they be investigated and removed : XXXX XXXX  ( XX/XX/XXXX & XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX  XXXX  ( XXXX XXXX, XXXX appears twice ) XXXX  ( XXXX XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX  ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( 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 may have occurred due to unauthorized credit pulls, identity theft, or misrepresentation by auto dealers or finance companies. I request that each of these be verified, and if authorization can not be documented, they should be removed immediately.

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