Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against TransUnion for failure to conduct a lawful and reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ), and for ongoing harm caused by inaccurate reporting, identity errors, and unverified collection accounts that have been verified by the automated E-OSCAR system without proper human review. 
On XX/XX/XXXX, I submitted a complete dispute package to TransUnion, including proof of identity ( drivers license, Social Security card, mailed utility statements ) and documentation showing multiple inaccuracies across my credit profile. The dispute included : Inaccurate names appearing on my file : XXXX XXXX XXXX, XXXX, XXXX XXXX, and other variations that do not match my legal name XXXX XXXX XXXX. 
Incorrect addresses including old or unverified addresses such as XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and others that should have been deleted. 
Multiple hard inquiries from banks and lenders I never authorized, including XXXX, XXXX XXXX ( XXXX ), and others dating back to XXXX. 
Over 10 soft pulls and promotional inquiries that serve no permissible purpose and continue to harm my credit standing. 
A collection account from XXXX XXXXXXXX XXXX originally listed as XXXX XXXX ( opened XX/XX/XXXX ) and later re-aged and reopened as a new collection from XXXX XXXX  ( opened XX/XX/XXXX ) for {$620.00}. This account is a clear case of re-aged, zombie debt that violates the FCRAs seven-year reporting limitation and FDCPA rules prohibiting re-reporting of time-barred debt. 
Despite sending certified mail with complete documentation and fraud evidence, TransUnion provided an investigation result on XX/XX/XXXX stating that the item was verified as accurate. No human investigator contacted me, reviewed my evidence, or verified anything manually. Instead, TransUnion used the E-OSCAR automated system to send a two-minute electronic verification request to the furnisher, who automatically marked it verified. This is not a lawful reinvestigation under FCRA 611 ( a ). 
This situation has caused severe hardship and distress. Because of these errors and TransUnions failure to correct them, I continue to be denied for loans and credit cards that would allow me to stabilize my financial situation. I am currently on limited income with no XXXX support and struggling to meet basic living costs. The repeated false verification of inaccurate data has directly interfered with my ability to obtain housing and necessary funding. 
I have called TransUnion multiple times to speak to the Fraud or Consumer Relations Department. Each time, I am redirected to the automated dispute system, even after specifically requesting escalation under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ). No one will take accountability or provide the required Method of Verification describing who verified the information, how it was verified, and what documentation was reviewed.

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