Consumer complaint received 2025-11-05 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:
This letter serves as a formal complaint and demand for immediate correction and deletion of inaccurate, contradictory, and unauthorized information being reported on my TransUnion credit file. 
I am writing to dispute the incorrect and incomplete information currently reported by TransUnion concerning my Bank XXXX XXXX account, as well as multiple unauthorized credit inquiries listed below. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, TransUnion is required to conduct a reasonable reinvestigation and provide me with the procedures used to verify the information in question. If TransUnion is unable to verify the accuracy of this information, it must be deleted immediately, as it is negatively affecting my financial standing and creditworthiness. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ), I have a fundamental right to financial privacy. Furthermore, 15 U.S.C. XXXX ( a ) ( XXXX ) under the FCRA emphasizes your responsibility to maintain the accuracy and confidentiality of consumer credit data at all times. 
No permissible purpose, as defined in 15 U.S.C. XXXX ( XXXX ), exists for TransUnion to continue reporting or sharing inaccurate or unverifiable information. This ongoing reporting without proper verification violates my privacy rights and constitutes unlawful data handling. 
Moreover, XXXX XXXX. XXXX clearly establishes that identity theft and unauthorized use of consumer data are serious federal crimes. Under 15 U.S.C. XXXX, credit reporting agencies must block any information identified as resulting from identity theft within XXXX business days. 
At this time, I have been unable to file an official Identity Theft Report due to government systems being temporarily closed ; however, I have attached a signed affidavit explaining the matter in full. I expect TransUnion to treat this affidavit as a lawful dispute and to take all necessary action to correct and block the fraudulent or inaccurate information. 

DISPUTED ACCOUNT INFORMATION Creditor / Furnisher : Bank XXXX XXXX Account Number : XX/XX/XXXX Date Opened : XX/XX/year> Reported Status ( TransUnion ) : Closed / Paid {$0.00} Balance Inaccuracy Identified : TransUnion continues to report Payment after charge-off / collection even though the account shows Canceled by credit grantor and a {$0.00} balance. 
This is contradictory and unlawful a paid/closed account can not simultaneously be reported as delinquent. This violation of 15 U.S.C. XXXX and XXXX ( b ) demonstrates failure to maintain maximum possible accuracy. 



UNAUTHORIZED CREDIT INQUIRIES ( TRANSUNION ) XXXX XXXXUnauthorized inquiry no credit application made or consent provided. 
XX/XX/XXXXXXXX XXXXUnauthorized inquiry no permissible purpose. 
XX/XX/XXXXXXXXDuplicate unauthorized inquiry. 
XX/XX/XXXXXXXXUnauthorized inquiry without consent. 
XX/XX/XXXXXXXXUnauthorized inquiry without consent. 
These inquiries were never authorized by me. Under FCRA XXXX ( a ), a consumer report may only be accessed for legitimate, permissible purposes. Each of the inquiries above constitutes unauthorized access and a direct violation of my right to financial privacy. 

LEGAL VIOLATIONS FCRA XXXX ( 15 U.S.C. XXXXi ) : Failure to properly reinvestigate disputed information. 

FCRA XXXX ( 15 U.S.C. XXXXb ) : Lack of permissible purpose for furnishing consumer reports. 

FCRA XXXX ( 15 U.S.C. XXXX ) : Obligation to block identity-theft-related information. 

FCRA XXXX ( b ) : Duty to maintain procedures ensuring maximum possible accuracy. 

FCRA XXXX & XXXX : Civil liability for willful and negligent noncompliance. 

Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) : Violation of financial privacy protections. 

XXXX XXXX. XXXX : Criminal penalties applicable to identity theft. 

TransUnions continued reporting of false, misleading, or unauthorized information constitutes willful noncompliance under these statutes and exposes the company to both regulatory and civil liability. 

DEMAND FOR IMMEDIATE ACTION I hereby demand that TransUnion : Immediately delete or permanently correct the inaccurate Bank XXXX XXXX account and all associated derogatory data. 
Remove all unauthorized inquiries listed above from my TransUnion file. 
Provide written confirmation of all deletions and certify that no information will be reinserted without lawful documentation under FCRA XXXX ( a ) ( XXXX ) ( B ). 
Provide copies of all materials used to verify or reinstate any disputed information. 
Conduct a full reinvestigation into the reported inquiries and account data, as supported by my attached affidavit.

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