Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding TransUnions reporting of inaccurate information on my credit report without my consent. Despite not authorizing the reporting of certain accounts, TransUnion has included them in my credit file, violating my consumer rights under several federal laws. 

What Happened : TransUnion reported accounts that I did not authorize or consent to. 

I have disputed these accounts, but they remain on my report. 

The company failed to validate these accounts properly, as required by law. 

I believe TransUnion has violated multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Accounts in Dispute : A collection account with XXXX XXXX XXXX XXXX An account with XXXX XXXX. 

An account with National Credit System Actions I Took : I submitted a formal dispute letter on XX/XX/XXXX requesting the removal of these accounts. 

I requested verification under 15 U.S.C. 1681i to confirm the accuracy of the reported information.

I also demanded proof of permissible purpose under 15 U.S.C. 1681b, since I did not authorize these accounts.

My Request : I am asking TransUnion to immediately delete these accounts from my credit report.

Provide a free updated copy of my corrected report, as required by law.

Send me written confirmation that these accounts have been removed within 30 days.

If TransUnion fails to comply, I am prepared to escalate the matter and pursue legal action under applicable consumer protection laws, including seeking damages for noncompliance.

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response.

Also, I sent a second dispute letter to TransUnion, requesting a method of verification under 15 U.S.C. 1681i ( 7 ). It has now been more than 15 days, and I have not received any response or the required information. This lack of compliance is a violation of my consumer rights, and I am seeking assistance to ensure they address my dispute promptly.

Under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

" A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. '' Page XXXX Date : XX/XX/XXXX RE : Dispute Regarding Accounts and Permissible Purpose Last XXXX of XXXX : To Whom It May Concern, I, XXXX XXXX XXXX, formally dispute the reporting of my personal information by TransUnion without my explicit consent. As per various legal statutes, your actions constitute an infringement of my consumer rights. 
Legal Basis for Dispute 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b According to this statute, consumer reports may only be furnished under specific permissible purposes, including written consent. Since I have not provided such authorization, you are in violation of this law.

2. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6802 This law requires financial institutions to protect personal financial information. By disclosing my report without consent, TransUnion has violated my privacy rights.

3. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g This act mandates that any debt collection activity must be properly validated before reporting. Since the accounts listed below were not authorized by me, I demand their immediate removal.

4. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 This law ensures transparency in lending and reporting practices. Any inaccuracies or unauthorized entries in my credit report violate these provisions.

5. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 Unauthorized transactions and financial reporting errors are addressed under this law, and my consumer report should reflect only accurate and legally permissible data.

Disputed Accounts I demand the deletion of the following accounts from my consumer report : Collection Account # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened - XX/XX/XXXX Demands I request the following actions : Immediate deletion of the aforementioned accounts. 
A free updated copy of my corrected consumer report as required under XXXX XXXX. XXXX ( XXXX ). 
Written confirmation of the removal of these items within 30 days. 
Failure to comply with this request will result in legal action, including claims for damages under the following : Civil Liability for Willful Noncompliance ( XXXX XXXX. XXXX ) Defamation and Negligence in Enabling Identity Fraud Violations of the Truth in Lending Act ( XXXX U.S.C. XXXX ) Penalties under the XXXX XXXX Transfer Act ( XXXX XXXX. XXXX ) This letter serves as formal notice of my intent to escalate the matter should you fail to rectify these violations. Kindly confirm receipt and action taken within the legally required timeframe. 
Sincerely,

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