Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Transunion for failing to permanently delete multiple incorrect items from my credit report despite numerous disputes, factual inaccuracies, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The negative items/accounts include : 1. Incorrect legal name. Transunion currently lists my name as XXXX XXXX XXXX, which is incorrect. My legal name, as reflected on my government-issues identification, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and complete information. This incorrect listing constitutes a material inaccuracy and must be deleted immediately. 
XXXX. Collection Account : -Creditor/Agency : XXXX XXXX XXXX  XXXX Account Number : not listed - Reported Balance : {$1500.00} - Date Opened : XX/XX/XXXX I previously disputed this account, yet it remains on my report with the notation Account information disputed by consumer. This response is insufficient, and no documentation has been provided to legally verify this debt. Reporting an unverified account after a dispute constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) 609 and 611.

For full compliance, you are required to obtain and provide : 1. A copy of the original signed contract or agreement bearing my signature, proving that I have a legal obligation to this debt.

2. A complete payment history, showing the chain of title and lawful assignment from the original creditor. 
XXXX. Proof that XXXX XXXX XXXX is authorized to collect on this alleged debt. 
If TransUnion can not provide this documentation within the required 30-day period, this account must be deleted from my credit report immediately. Failure to remove unverifiable information is considered willful non-compliance under FCRA 616 and 617, and I am escalating this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Hard Inquiries : I dispute the following XXXX hard inquiries, which appear on my report without my authorization : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -Unauthorized hard inquiries violate 15 U.S.C. 1681b, which restricts the permissible purposes for accessing a consumer report. These inquiries must be permanently removed. 
I have already submitted multiple disputes regarding all of these items. Your continued failure to correct these errors constitutes willful violation of my rights under the FCRA, which allows for civil liability under 15 U.S.C. 1681n. I will also be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if these inaccuracies are not corrected promptly. 
Action Required : Delete XXXX XXXX XXXX from my report and replace it with my correct legal name ONLY. 
Remove the disputed collection account if it can not be fully verified. 
Permanently remove the XXXX unauthorized hard inquiries. 
Please provide written confirmation within 30 days of receipt that these corrections have been made. Failure to comply may result in legal action to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX XXXX

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 explanation