Consumer complaint received 2025-08-30 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:
I am submitting this formal complaint because my TransUnion credit report contains multiple inaccurate and unverifiable accounts, inquiries, and a public record that are seriously damaging my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have already exercised my right to dispute these items, but TransUnion has failed to provide certified proof or valid documentation from the original creditors or the U.S. Bankruptcy Court to justify keeping these items on my report. 

One of the accounts being reported is XXXX  XXXX, account number XXXX, which is listed with a high balance of {$2100.00} and late payments. This reporting is inaccurate and has not been supported with any verifiable documentation, yet it remains on my file. Another account is XXXX, account number XXXX, showing a balance of {$1100.00} and derogatory payment history that is also unverifiable. TransUnion is also reporting XXXX, account number XXXX, with a balance of {$340.00} and negative information that can not be validated with original records. Additionally, they are reporting a U.S. Bankruptcy Court public record, reference number XXXX, which I have verified with the court does not originate from them directly, meaning it was furnished through a third party and not confirmed by the source, making its reporting unlawful. 

Beyond these accounts, there are also two unauthorized inquiries appearing on my credit file. XXXX placed a hard inquiry dated XX/XX/XXXX, and XXXX XXXX placed a hard inquiry dated XX/XX/XXXX. I never applied for credit with either of these companies and did not authorize these inquiries. Reporting unauthorized inquiries violates FCRA 604 ( a ), which requires permissible purpose and consumer consent before pulling a credit report. These inquiries are harming my credit score and reputation without legal justification.

I am deeply concerned that TransUnion has not complied with FCRA 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy, nor have they complied with FCRA 611 ( a ), which requires a reasonable reinvestigation of disputed items within 30 days. Instead of providing proof or deleting unverifiable entries, they continue to publish harmful and inaccurate information. This negligence is creating financial harm, making it difficult for me to qualify for fair lending opportunities, housing, and other financial services.

I am requesting that the Consumer Financial Protection Bureau intervene to hold TransUnion accountable for their repeated violations of federal law and failure to ensure the accuracy of consumer data. I demand a full investigation and immediate removal of XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, the U.S. Bankruptcy Court reference number XXXX, and the unauthorized inquiries from XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. TransUnion must provide proof directly from the original creditors and the U.S. Bankruptcy Court or permanently delete these entries from my credit file. If they can not provide certified documentation from the source, they are in direct violation of my consumer rights under federal law.

I am filing this complaint because I have made every effort to dispute these items directly with TransUnion, but they have failed to comply with the law and correct my file. I respectfully request that the CFPB step in to ensure these harmful, inaccurate, and unverifiable entries are removed and that TransUnion is held accountable for their negligent reporting practices.

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