Consumer complaint received 2025-10-23 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. Theres an account reporting ( XXXX, Account Number : XXXX ) that I never authorized. I didnt open it, I didnt give permission for it to appear on my file, and I definitely didnt consent to have it reported to any credit bureau. 

At no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to exist or be included in my credit history. Its presence has been causing ongoing damage to my creditworthiness and my financial stability. 

In addition, there are hard inquiries related to this account that I never approved. These inquiries demonstrate that my personal and credit information was accessed and used without my consent. To document this, I filed a Police Report ( Case No. XXXX ) identifying this as unauthorized activity. 

LEGAL VIOLATIONS : After researching my rights under the Fair Credit Reporting Act ( FCRA ), Ive identified multiple federal violations committed by TransUnion in handling this matter. 

FCRA Section XXXX ( 15 U.S.C. XXXX ) Lack of Permissible Purpose : This section prohibits any company or furnisher from obtaining or reporting a consumers credit information without a legitimate permissible purpose, such as the consumers explicit consent. The reporting of this account and related inquiries, without my authorization, constitutes a direct violation. TransUnion has no permissible purpose to continue displaying this information in my file. 

FCRA Section XXXXB ( 15 U.S.C. XXXX ) Blocking Disputed Information : When a consumer submits a valid identity theft or fraud report, the bureau must block and delete the disputed information within XXXX ( XXXX ) business days. I submitted a valid police report ( XXXX ), yet TransUnion has failed to block and remove the disputed account, violating federal timeframes and exposing me to continued harm. 

FCRA Section XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) Maximum Possible Accuracy : Under this section, TransUnion is legally obligated to follow reasonable procedures to ensure maximum possible accuracy in the information it reports. Reporting an unauthorized account that lacks supporting documentation or verifiable consent fails to meet this standard and materially distorts my actual credit profile. 

FCRA Section XXXX ( 15 U.S.C. XXXX ) Failure to Conduct Reasonable Reinvestigation : Upon receipt of a dispute, TransUnion must reasonably investigate and delete any information it can not verify with actual documentation. If TransUnion can not provide written proof that I personally authorized this account with XXXX, it must delete it immediately. Any continued reporting without verification violates this section of the law. 

Metro 2 Compliance Violations : All consumer data reported to credit bureaus must meet XXXX Metro 2 standards, which require completeness, accuracy, consistency, and current status. This account fails those standards because : It is inaccurate ( I never authorized it ). 

The related inquiries lack a valid permissible purpose. 

There is no documentation supporting its inclusion in my credit report. 

Both the FCRA and Metro 2 standards mandate that this information be permanently deleted.

Reinsertion Protections FCRA Section XXXX ( a ) ( XXXX ) ( B ) : If TransUnion deletes this information and later attempts to reinsert it, the following federal requirements apply : The furnisher ( XXXX ) must provide written certification confirming that the information is accurate and legitimate. 

TransUnion must notify me in writing within XXXX ( XXXX ) business days of any reinsertion. 

There must be documentary evidence proving I authorized the account. 

A system-generated verification or verbal confirmation does not satisfy these legal requirements. Any reinsertion without meeting them constitutes a willful violation under 15 U.S.C. XXXXn, exposing TransUnion to statutory and punitive damages. 

PERSONAL IMPACT : This is not just a technical reporting issueits a serious and ongoing financial hardship. 

Because of this unauthorized account : I was denied a mortgage, and the loan officer specifically pointed to this account as the reason. 

I obtained vehicle financing but at XXXX XXXX XXXX, far higher than what I would normally qualify for. 

I was denied a credit card, and every time I apply for legitimate credit, additional inquiries are pulledfurther damaging my score. 

Ive spent countless hours on phone calls, preparing documentation, and researching the law just to correct an error that should never have occurred. 

This has caused stress, frustration, and delays in my financial goals. Its unfair that I have to pay higher rates and face credit denials for something that I did not authorize and that violates federal law.

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