Consumer complaint received 2025-11-12 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, theres an account reporting XXXX XXXX XXXX, Account Number : XXXX, another account reporting XXXX, Account Number : XXXX, and another account reporting XXXX XXXX XXXX, Account Number : XXXX none of which I ever opened, authorized, or permitted to appear on my file. 

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 to be on my credit file. I did not give permission for anyone to pull my credit in these instances. Their presence on my credit report has been causing ongoing damage to my financial stability, my reputation, and my ability to obtain credit on fair terms. 

I am enclosing a copy of the Police Report ( XXXX XXXX. XXXX ) I filed documenting this situation. According to federal law, this is valid documentation of identity theft and unauthorized credit activity. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what these companies and the credit bureau are 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 are using and disclosing my non-public personal information without authorization. 
No one can access or report my credit information without a valid permissible purpose, which means there must be a legitimate legal reason backed by my consent. I didnt sign anything authorizing these accounts or inquiries. Without written proof, these items are illegal entries on my file.

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 ( XXXX XXXX. XXXX ) identifying the disputed accounts and inquiries, yet they continue to report them. According to the law, TransUnion must block and delete all of this information within four business days if it can not be verified as properly authorized.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : TransUnion and the furnishers have failed to maintain only accurate, verifiable, and complete information. Reporting accounts and inquiries that I never authorized does not meet the legal standard of maximum possible accuracy. The absence of valid supporting documentation from either the creditor or the bureau shows that this standard has not been met.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Investigate and Delete Unverifiable Information : When a consumer files a dispute, the credit bureau must conduct a reasonable investigation and delete any information that can not be verified. If TransUnion or the furnishers can not provide written proof that I authorized these accounts, the law clearly states they must delete them. 

FCRA Section 611 ( a ) ( 5 ) ( B ) Reinsertion Requirements : If any of these accounts or inquiries are deleted and someone later tries to reinsert them, the creditor must provide written certification verifying the information is accurate and legitimate. TransUnion must notify me in writing within five business days, and there must be documentary evidence proving I authorized the account. A phone call or system verification does not satisfy these legal requirements. Reinserting unverifiable information would constitute a willful violation under 15 U.S.C. 1681n.

Metro 2 Compliance : I also understand that all data furnished to credit bureaus must comply with CDIA Metro 2 standards. That means the information must be complete, accurate, consistent, and current. These disputed accounts and inquiries fail all those requirements because : They are inaccurate ( I never authorized them ) The inquiries lack a valid permissible purpose There is no documentation supporting their inclusion Under both the FCRA and Metro 2, this information is fundamentally incorrect and must be removed.

PERSONAL IMPACT : This isnt just a technical problem on paper. These incorrect accounts and inquiries have caused real harm in my daily life and finances.

Because of these unauthorized accounts, my credit score dropped significantly. When I applied for a mortgage recently, I was denied the loan officer pointed directly to these accounts as the reason. 

I managed to get financing for a vehicle, but the interest rates were far higher than I should qualify for. I was also denied a credit card that I legitimately applied for, and each time that happens, another inquiry is added, making the situation worse. 

These errors have caused real financial pressure. Ive lost hours making calls, researching, and gathering documents all to fix information that should never have been on my credit report in the first place. 
My financial plans are now on hold because of these reporting errors. Im literally paying higher interest rates and losing credit opportunities because of accounts and inquiries that dont belong to me.

This situation has caused anxiety and stress, knowing that Im being penalized for something that violates my rights. It has damaged both my financial position and my peace of mind.

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