Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
In XXXX XXXXXX/XX/year>, I financed a used vehicle through a dealership affiliated with XXXX XXXX XXXX. At that time, I did not have a Social Security Number ( SSN ), and the auto loan was approved and signed without one. Despite this, XXXX XXXX XXXX reported the loan to the credit bureaus without my consent or proper identification, which violates standard lending and credit reporting practices. 

In XX/XX/scrub>XXXX XXXX after I received my SSN, the company pressured me into submitting it. They then linked my SSN to the original loan contract without my consent. This retroactive action was unauthorized and unlawful, as they did not have my SSN when the loan was processed, and I never agreed to link it afterward. 

Soon after, the company began reporting this loan including six late payments under my SSN to the credit bureaus ( XXXX XXXX and TransUnion ), causing significant and unjustified damage to my credit score. I never applied for this loan using my SSN, nor did I authorize the company to associate it with my account.

This unauthorized and retroactive use of my SSN violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b ( lack of permissible purpose ), 1681s-2 ( a ) ( reporting inaccurate information ), and 1681i ( a ) ( failure to investigate upon dispute ). It may also constitute identity theft under 18 U.S. Code 1028, as XXXX XXXX XXXX falsely associated my SSN with this loan without my consent. 

I have already submitted an official Identity Theft Report through IdentityTheft.gov, which is attached. The entire credit reporting history for this account is invalid, as it is based on unauthorized use of my SSN without a valid credit application. This account should be treated as false under the FCRA. 

Additionally, XXXX XXXX XXXX has publicly stated that it acts as a broker, not a lender. As such, it had no legal authority to collect, report, or furnish my SSN to any credit bureau without a new, explicit credit application, as required by the FCRA, GLBA, and the Consumer Financial Protection Act ( CFPA ). 

Upon further research, I discovered many other complaints on XXXXXXXX XXXX from customers reporting similar issues with XXXX XXXX XXXX, such as unauthorized credit reporting, retroactive SSN linkage, inflated loan balances, and pressure from company representatives. These complaints show that this is not an isolated issue, but a widespread problem affecting many consumers. 

These complaints further support my claim and highlight the need for an investigation into XXXX XXXX XXXX practices. The companys actions are illegal and violate consumer protection laws. I urge the authorities to take swift action and hold XXXX XXXX XXXX accountable.

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