Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There are multiple accounts and inquiries reporting that I never authorized. Specifically, the following accounts are appearing without my permission : XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  ( Account Number : XXXX XXXX Additionally, there are unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX I didnt open these accounts, 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 or inquiries to be on my credit file. Their presence there has been causing ongoing damage to my financial stability and my reputation. 

LEGAL VIOLATIONS I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates several sections of this federal law : 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. TransUnion is using and disclosing my non-public personal information without authorization or permissible purpose. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( Case No. XXXX  ) identifying the disputed accounts and inquiries, yet TransUnion continues to report them, causing ongoing harm and violating this section.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy TransUnion has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnishers or the bureau shows that this legal standard has not been met. Reporting accounts and inquiries that I never authorized fails to meet the accuracy requirements imposed by federal law. 

PERSONAL IMPACT This isnt just a technical problem on paper this is affecting my real life in very concrete ways : Ive been denied legitimate credit applications because of these unauthorized accounts. 

When I do manage to get approved for something, Im charged significantly higher interest rates than I should be paying.

I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was damaged because of something that isnt even mine. Searching for another place while facing the same issue was stressful and humiliating.

My insurance premiums increased due to credit-based pricing. Im literally paying more money every month because of something I didnt do.

This ongoing situation has caused me real financial pressure. I wake up worried about this every day. Its frustrating and causes anxiety knowing that Im being punished for something that violated my rights from the beginning. It continues to affect my daily life and financial wellbeing in ways it absolutely shouldnt.

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