Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint against TransUnion and the following furnishers of information : XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX ( Account # XXXX ), XXXX ( Inquiry dated XX/XX/XXXX ), XXXX XXXXI XXXX Inquiry dated XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( Inquiry dated XX/XX/XXXX ), and XXXX XXXX ( Inquiry dated XX/XX/XXXX ) for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

I have disputed the accuracy of these accounts directly with TransUnion as required under FCRA XXXX ( a ), but they continue to appear on my credit file without being properly verified. Under FCRA 607 ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of my credit report, and under FCRA 623 ( a ) ( 1 ) ( A ), the furnishers are prohibited from reporting information they know or should know is inaccurate. Despite these legal requirements, the disputed information remains, and the furnishers have failed to provide original signed agreements, full payment histories, or any documentary evidence proving the accuracy of their reporting. 

The XXXX XXXX account continues to reflect late payments that are unsubstantiated by any documentation. The XXXX  XXXX account, which has been closed and paid for years, is still being reported with derogatory late payment notations that have no factual basis. The XXXX account is being reported as a collection with a {$5500.00} balance, yet neither TransUnion nor the furnisher has produced any signed contract, statement, or proof of ownership of the alleged debt. These items are unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ).

Additionally, my credit file contains multiple unauthorized hard inquiries that violate FCRA 604 ( a ) ( 2 ), which requires consumer consent or a permissible purpose before a report may be accessed. These include inquiries from XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX, and XXXX XXXX  on XX/XX/XXXX. I never applied for credit, entered into any transaction, or gave written consent to these companies for them to access my credit file. These inquiries are unauthorized, harm my XXXX XXXX, and increase my risk of identity theft. 

The presence of this inaccurate and unauthorized information has caused serious harm to my financial standing. My XXXX XXXX has been significantly lowered, resulting in credit denials, higher interest rates, and difficulty obtaining housing and other financial services. The continued reporting of unverifiable and unauthorized information has created ongoing financial damage and emotional distress. 

I am requesting that the CFPB compel TransUnion and each named furnisher to conduct a complete reinvestigation, obtain original documentation from their own records ( including signed agreements and complete account histories ), and permanently delete any information that can not be fully verified. I also request that all unauthorized inquiries be removed from my credit file immediately. 

The failure of both TransUnion and the furnishers to comply with their obligations under the FCRA and to remove inaccurate and unverifiable information after being notified of disputes is unacceptable. I am asking the CFPB to take action to ensure that my rights as a consumer are upheld, and that my credit report is corrected without further delay.

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 explanation