Consumer complaint received 2025-07-11 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:
Below are two letters that were sent.

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Subject : Request for Deletion of Inaccurate Name Variations, Addresses,
Phone Numbers, and Employer Records under FCRA Dear TransUnion Dispute Department, This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to correct and delete inaccurate and misattributed information from my credit file currently maintained by TransUnion.

I am requesting that all of the following items be thoroughly investigated and, if unverifiable or inaccurate, permanently removed from my report. 

Name Variations ( Incorrect Must Be Deleted ) XXXX XXXX XXXX XXXX XXXX My full legal name is XXXX XXXX. I have never used any of the above name variations. 

Inaccurate or Unfamiliar Addresses ( To Be Removed ) Please delete the following inaccurate and/or outdated addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with my current or previous residences. 

Inaccurate or Outdated Phone Numbers ( To Be Deleted ) Please delete the following phone numbers, which are inaccurate or no longer associated with me : XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Only my current, verified contact number should remain on file. 

Employers to Remove ( Inaccurate or No Longer Applicable ) Please remove the following employers that are either not valid, misattributed, or no longer relevant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These employers are either outdated, erroneous, or unrelated to my verified employment history.

Legal Reference & Next Steps Under FCRA 611, you are required to conduct a reasonable reinvestigation and remove any item that is inaccurate, unverifiable, or erroneous within 30 days. I request written confirmation of each deletion or correction, along with an updated copy of my TransUnion credit report. 
If this matter is not resolved in a timely and compliant manner, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue any additional legal remedies available to protect my identity and consumer rights. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Inquiries, Personal Data, and Name Variation under FCRA Dear TransUnion Dispute Department, I am writing to formally dispute multiple inaccurate and unauthorized items appearing on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the immediate investigation and permanent removal of the following : Unauthorized and Excessive Inquiries I did not apply for credit or authorize hard inquiries from the following institutions. I request all inquiries listed below be investigated for lack of permissible purpose and permanently removed : Hard Inquiries Without Consent : Department of Education XX/XX/scrub>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 XXXXXX/XX/year> I never received or signed for any loan, vehicle, or financing products from these companies. I suspect misuse of my data and request permissible purpose verification under FCRA 604.

Excessive Soft Inquiries & Third-Party Monitoring Numerous repetitive soft inquiries from services including : XXXX ( Dozens of entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This frequency indicates excessive monitoring or unauthorized marketing access, which is disruptive, unrequested, and unapproved. Please investigate and suppress these recurring entries unless they can be substantiated with explicit consent. 

Name Variation and Data Inaccuracy Please also delete all instances of the following erroneous name variation, which has caused confusion and reputational harm : XXXX XXXX XXXX XXXX This is not my legal name and I never authorized it for use in any official reporting. 

Legal Justification and Expectations Under FCRA 611, you are legally obligated to complete an investigation and correct or delete any inaccurate, unverifiable, or unauthorized information within 30 days. I request a full written summary of your findings and an updated credit report once these corrections are made.

Please confirm removal of the inquiries, suppression of soft pulls, and deletion of all name and data variations in writing.

Failure to act within the required timeframe may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and other relevant agencies. 

Thank you for your prompt attention to this matter. 
Sincerely, 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