Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There are multiple accounts and hard inquiries reporting under my name that I never authorized. 
Specifically, the following accounts appear on my TransUnion report without my consent : XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX In addition, the following hard inquiries were made without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not open these accounts, I did not authorize these credit pulls, and I never gave written or electronic consent for any of them. 
Their presence on my file has caused severe harm to my credit standing and financial opportunities.

Im enclosing a valid Police Report ( XXXX XXXX. XXXX ) documenting this situation. Despite this, TransUnion has continued to report these items, in direct violation of my rights. 

LEGAL VIOLATIONS : Ive researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates several federal laws : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose No entity may access or report a consumers credit information without a valid permissible purpose and the consumers consent. 
There is no written authorization for these accounts or inquiries, meaning their inclusion on my file is unlawful and constitutes misuse of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Identity Theft Information When a consumer provides a valid identity theft report, the bureau must block and delete the disputed information within four ( 4 ) business days. 
I submitted my police report ( XXXX ), which triggers your duty to block these accounts and inquiries immediately. 
Failure to do so violates this section and continues to cause ongoing harm.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy TransUnion has not followed reasonable procedures to assure the maximum possible accuracy of my file. 
Reporting unauthorized accounts and credit inquiries that lack supporting documentation violates this duty and distorts my credit history.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Investigate Upon receiving a dispute, TransUnion must conduct a reasonable reinvestigation and delete any item that can not be verified with actual documentation. 
If TransUnion and the furnishers can not produce written proof of my authorization, federal law mandates deletion of these items.

FCRA Section 611 ( a ) ( 5 ) ( B ) Reinsertion Requirements If any of these items are deleted and later reinserted, strict requirements apply : The furnisher must provide written certification verifying the information is accurate and legitimate. 

TransUnion must notify me in writing within five ( 5 ) business days.

Reinsertion must be supported by documentary evidence proving authorization. 

Any reinsertion without meeting these conditions constitutes willful noncompliance under 15 U.S.C. 1681n. 

PERSONAL IMPACT : This isnt just a technical reporting issue this has had major, real-world effects on my financial life : My credit score dropped significantly, preventing me from qualifying for a mortgage. The loan officer specifically cited these unauthorized accounts as the cause of denial. 

I was only able to obtain auto financing at excessively high interest rates, forcing me to overpay every month for a vehicle. 

I was denied a credit card and faced repeated hard pulls that made the situation worse each time. 

I lost valuable time and energy trying to fix this phone calls, documentation, research all because of information that should never have been there. 

My financial plans are on hold, and I continue to face emotional and financial stress due to these errors. 

These items are damaging my ability to access fair credit, housing, and financial stability.

Company response to consumer: Closed with non-monetary relief