Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. 
There are multiple accounts and hard inquiries reporting that I never authorized. 

Specifically : Account : XXXX XXXX, Account Number : XXXX Account : XXXX XXXX XXXX, Account Number : XXXX Account : XXXX XXXX, Account Number : XXXX Account : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Hard Inquiry : XXXX XXXX XXXX on XX/XX/year> Hard Inquiry XXXX XXXX XXXX on XX/XX/year> Hard Inquiry XXXX XXXX XXXX  on XX/XX/year> I didn't open any of these, I didn't give permission for them to appear on my file, and I definitely didn't 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. And 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 consumer 's credit file may only contain information obtained for a lawful permissible purpose.

The inclusion of these accounts- and the related hard inquiries - without any documented consent constitutes a direct violation of this section.

They're using and disclosing my non-public personal information without authorization.

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 furnisher or the bureau shows that this legal standard has not been met.

PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of these unauthorized accounts.

When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying for example, I just financed a vehicle at sky-high rates I shouldn't qualify for.

I was denied a mortgage recently ; the loan officer pointed straight to these accounts as the issue, putting my home-buying plans on hold.

I was also denied a credit card I needed, and every application triggers another pull, worsening the cycle.

This ongoing situation has caused me real financial pressure.

I wake up worried about this. It's frustrating and causes anxiety knowing that I'm being punished for something that violated my rights from the beginning.

It affects my daily life in ways it shouldn't.

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