Consumer complaint received 2025-07-28 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:
What Happened? 
I am submitting this complaint against TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple formal disputes submitted on my behalf by XXXX XXXX? Management under a valid Power of Attorney, TransUnion continues to report inaccurate late payments, unauthorized inquiries, and unverified personal informationall without providing documentation or any legal justification. 

TransUnion has failed to : Supply signed authorization forms or application records, Identify who verified these disputes, Prove permissible purpose for reporting the inquiries, or Conduct a legally sufficient reinvestigation as required under FCR

A 611 and 609. Per FCRA 604, no inquiry can be reported without documented consumer consent or valid purpose. The continued reporting of unverifiable data violates the FCRA and established legal precedent, including XXXX XXXX TransUnion ( XXXX ), XXXX XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX Experian ( XXXX ). 

Disputed Accounts Issues and Requested Actions XXXX XXXX XXXXXXXX Issue : The account reflects multiple late payments that are not supported by billing records. 

Requested Action : Remove all negative payment history from this account, but do not delete the account itself. 

XXXXXXXX XXXX XXXXXXXX Issue : The payment history shows delinquencies that are inaccurate and unverified. 

Requested Action : Delete the late payments, but keep the account open and reporting accurately. 

XXXX XXXX XXXX Issue : Late payments are reported despite consistent on-time payments. 

Requested Action : Remove the inaccurate delinquencies, and keep the account active. 

Disputed Inquiries Issues and Requested Actions XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : I did not initiate or authorize a credit inquiry with this company. 

Requested Action : Delete this unauthorized inquiry. 

XXXX XX/XX/XXXX Issue : No permissible purpose exists for this inquiry ; it was not authorized. 

Requested Action : Remove this inquiry from my file. 

XXXX XXXX XX/XX/XXXX Issue : No application or consent was given to this third-party provider. 

Requested Action : Delete this inquiry immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I never applied for credit with this company. 

Requested Action : Remove this inquiry for lack of authorization. 

XXXX XX/XX/XXXX Issue : Hard inquiry made without my knowledge or consent. 

Requested Action : Delete the inquiry from my credit report. 

XXXX XXXX XX/XX/XXXX Issue : Duplicate inquiry tied to MB FIN SVCS, neither of which were authorized. 

Requested Action : Remove this inquiry as unauthorized and duplicative. 

XXXX XXXXXX/XX/XXXX Issue : XXXX conducted without a permissible credit-related event. 

Requested Action : Remove from credit file and confirm deletion. 

FCRA Violations by TransUnion FCRA 611 : Inadequate reinvestigation into formally disputed information.

FCRA 609 : Failure to provide documentation used to verify disputes.

FCRA 604 : Reporting hard inquiries without permissible purpose or signed authorization. 

XXXX XXXX XXXX : XXXX v. TransUnion ( XXXX ) XXXX must verify data independently. 

XXXX XXXX XXXX, XXXX ( XXXX ) Reporting unverifiable items is unlawful. 

XXXX v. XXXX XXXX  XXXX ) Unauthorized inquiries must be deleted.

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