Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for continuing to report unauthorized inquiries and materially inaccurate or inconsistent accounts, despite my formal Round XXXX dispute request. These items have not been verified with proper documentation, nor has the required Method of Verification ( MOV ) been provided. TransUnion is in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 



Detailed Issues : XXXX. XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. There was no application or transaction initiated by me. Under FCRA 1681b, TransUnion may only include inquiries made with a permissible purpose initiated by the consumer. TransUnion has failed to provide documentation verifying my consent or the basis for this inquiry. If they can not validate the inquiry with the name, address, and verifying party, it must be deleted immediately. 

2. COAF Inquiry dated XX/XX/XXXX This inquiry was also unauthorized. I did not initiate any application with XXXX, and therefore, this violates FCRA 1681b. TransUnion has not provided the proper documentation proving the inquiry was made with a permissible purpose. If verification is not available, the inquiry must be deleted in accordance with FCRA 1681i ( a ). 

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reports this account as Open with a last payment date of XX/XX/XXXX. However, XXXX  shows it as Closed with a last payment of XX/XX/XXXX, and XXXX  also reports it as Open but with a different activity date. These discrepancies in status, balance, and payment history violate FCRA 1681e ( b ) ( requirement to maintain maximum accuracy ) and XXXX XXXX reporting uniformity. No Method of Verification ( MOV ) has been provided. I request deletion if verification can not be fully supported. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reports a last activity date of XX/XX/XXXX, while XXXX  and XXXX  list XX/XX/XXXX for the same account. This inconsistent reporting constitutes a XXXX XXXX compliance violation and a direct breach of FCRA 1681e ( b ). The remark Consumer Disputes This Account Information remains, yet no documents verifying this dispute were provided following my initial request. I am demanding deletion unless full verification is produced. 

XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  show a last activity date of XX/XX/XXXX, but TransUnion lists it as XX/XX/XXXX. There are also differences in reported delinquencies. This violates FCRA 1681e ( b ) and XXXX XXXX, which mandates consistency across all bureaus. TransUnion has failed to meet its reinvestigation obligations under FCRA 1681i. I demand removal of this account unless verified with exact documentation. 

XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reports this account as Closed by Credit Grantor, while XXXX  lists it as Open, and XXXX  lists it as Closed with different dates and a remark indicating delinquency. These contradictions in status, comments, and payment history violate FCRA 1681e ( b ) and XXXX XXXX standards. No Method of Verification has been provided, and the remark Account Delinquent XXXX  Days Past Due Closed by Grantor appears without documentation. If full verification and documentation can not be produced, I demand this account be deleted immediately.

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