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. There are multiple accounts reporting ( XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX ) that I never authorized. I didnt open them, I didnt give permission for them to appear on my file, and I definitely didnt consent to have them reported to any credit bureau. 

I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for these accounts to be on my credit file. Their presence has been causing ongoing and serious damage to my financial stability, creditworthiness, and reputation. 

In addition, there are several hard inquiries that were made without my consent, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These were made without my knowledge or authorization and have no legitimate connection to me. 

LEGAL VIOLATIONS : Ive researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumers credit file may only contain information obtained for a lawful permissible purpose. The inclusion of these accounts and the related hard inquiries, without any documented consent, constitutes a direct violation of this section. Theyre using and disclosing my non-public personal information without authorization or any valid permissible purpose.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity theft report to a credit reporting agency , the bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed accounts and inquiries, yet TransUnion continues to report them, causing ongoing harm and directly violating this section.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : TransUnion has failed to maintain only accurate, verifiable, and complete information. The absence of valid supporting documentation from either the furnishers or the bureau demonstrates that this legal standard has not been met. The continued presence of unverified and unauthorized information directly undermines the maximum possible accuracy requirement of the law.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate : Upon receiving a dispute, a credit bureau must conduct a reasonable reinvestigation and delete any information that can not be verified with actual documentation. TransUnion has failed to comply, as there is no written proof that I ever authorized these accounts or inquiries.

FCRA Section 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion : If these items are ever deleted and later reappear, the law mandates that the furnisher must provide written certification of accuracy, and the bureau must notify me in writing within 5 business days. Any reinsertion without documentary evidence constitutes a willful violation under 15 U.S.C. 1681n.

Metro 2 Compliance Standards ( CDIA ) : All data reported to the credit bureaus must be accurate, complete, consistent, and current. These accounts and inquiries fail every one of those standards because : They are inaccurate ( I never authorized them ).

They lack a valid permissible purpose.

There is no documentation supporting their inclusion.

Under both FCRA and Metro 2, this information must be permanently deleted. 

PERSONAL IMPACT : This isnt just a technical issueits a real and ongoing hardship in my daily life. 

Ive been denied legitimate credit applications because of these unauthorized accounts. 

When I do get approved for credit, Im charged higher interest rates, costing me money every month.

I was denied a mortgage, and the loan officer specifically cited these accounts as the reason. 

I was denied an apartment due to my credit score, and it was humiliating to explain that my report contains fraudulent information.

My insurance premiums increased due to credit-based pricing, which means Im literally paying more for something thats not my fault. 

This situation has caused anxiety, financial stress, and loss of opportunities. Ive spent countless hours on calls, gathering documents, and researching laws to defend my rights. Every day that this remains unresolved, I continue to suffer tangible financial harm.

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