Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for continuously reporting inaccurate, incomplete, and unverified information on my consumer credit report, despite previous disputes. I am deeply concerned about the ongoing negligence, failure to investigate disputes in compliance with the Fair Credit Reporting Act ( FCRA ), and the emotional and financial harm I have suffered due to these issues. 
This is my second dispute round, and despite providing clear evidence and requesting a reasonable reinvestigation, TransUnion has failed to remove or correct the following inaccurate items. My FTC identity theft report is not yet filed, but this may be necessary depending on how TransUnion handles this final effort.

Disputed Accounts & Inquiries : 1. XXXX Account # : XXXX Balance : {$740.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This debt was never validated to me, and I have no knowledge of this account. It appears to be reported without proper verification. Reporting such information without consumer consent or proof violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) regarding the consumers right to request and receive the method of verification.

Laws Violated : FCRA 609 ( a ) ( 1 ) : Right to full disclosure of sources of information.

FCRA 611 ( a ) : Failure to perform a reasonable reinvestigation.

FDCPA 807 ( 8 ) : False or misleading representation regarding credit information. 
XXXX. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off is being reported inaccurately. No notification, no billing statements, and no opportunity to verify or dispute this debt were provided. TransUnion has failed to confirm the validity of the debt or to provide required documentation as per FCRA 611 ( a ) and 609 ( c ) ( 1 ) ( B ) ( iii ).

Laws Violated : FCRA 609 ( c ) ( 1 ) ( B ) ( iii ) : Requires the credit bureau to notify consumers of their right to dispute and correct errors.

FCRA 611 ( a ) : No reasonable investigation was conducted.

FCRA 602 ( A ) : Fair and equitable treatment of the consumer was not ensured. 
XXXX. XXXX Unauthorized Inquiry Date : XX/XX/XXXX Status : Hard Inquiry Issue : I did not authorize or consent to this hard inquiry. It appears on my credit report without any permissible purpose under FCRA 604 ( a ) ( 3 ). This is a clear violation of my consumer rights and must be removed immediately.

Laws Violated : FCRA 604 ( a ) ( 3 ) : Credit reporting agencies may only provide consumer reports if the user has a permissible purpose.

FCRA 604 ( f ) : No consumer report shall be obtained without the consumers written instruction or permissible purpose. 
Harm Suffered : Due to these inaccurate reports, my credit score has dropped, causing me to be denied credit opportunities, overcharged in interest rates, and experience unnecessary stress and reputational damage. This situation has caused real financial harm and violates my rights as a consumer under federal law.

Resolution Requested : I am respectfully requesting CFPB to : 1. Order TransUnion to immediately remove or correct the above inaccurate, unverifiable, or unauthorized accounts and inquiries.

2. Require proof of verification and permissible purpose for all entries.

3. Penalize the agency for repeated violations of FCRA and FDCPA.

4. Ensure compliance with proper reinvestigation procedures.

I am submitting this complaint because TransUnion has failed to act responsibly and lawfully in addressing these disputes. I am prepared to escalate further with legal counsel if these matters are not resolved promptly.

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