Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : TransUnion FCRA Violations : Failure to Remove Unauthorized Inquiries and Unverifiable Accounts Despite Identity Theft and No Debt Validation Documentation. 

Complaint : I am filing this formal complaint against TransUnion for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Remove eight ( 8 ) unauthorized hard inquiries despite a valid identity theft claim and supporting documentation ; 2. Remove two ( 2 ) collection accounts that remain on my credit report despite being unverified and undocumented after a proper validation request. 
_______________________ XXXX. Unauthorized Hard Inquiries Identity Theft Claims Ignored : The following inquiries appeared on my credit report without my knowledge or authorization, and are the result of identity theft : a ) XXXX  XXXX XXXX  XXXX  XX/XX/XXXX b ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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/XXXX Timeline of Disputes : XX/XX/XXXX I mailed a formal dispute of these inquiries to TransUnion. 

XX/XX/XXXX I received a letter from TransUnion stating that they " strongly encourage '' me to contact the companies that initiated the inquiries and that those companies could then contact TransUnion directly to request removal. This response is a violation of FCRA 611 ( a ), which requires consumer reporting agencies like TransUnion to conduct their own independent and reasonable reinvestigation of any disputed item. The FCRA does not permit CRAs to deflect their legal obligations by shifting the burden back to the consumer or creditors. 

XX/XX/XXXX @ XXXX XXXX  EST I called TransUnion and disputed all 8 inquiries by phone. The representative stated they would be removed within 4 business days, but only one inquiry was removed. 

XX/XX/XXXX I attempted to dispute the remaining items online, but the TransUnion portal blocked me with the message : You have an open request that needs to be completed first. View your previous requests for more information. 

XX/XX/XXXX @ XXXX XXXX  XXXX  I called again and was told a XX/XX/XXXX dispute was deleted immediately, but I am still unable to submit a new dispute due to a lingering XX/XX/XXXX dispute that the representative could not see on their end. This is blocking me from initiating further disputes online due to poor system design and unresolved prior requests. 


I have submitted the following documentation : An FTC Identity Theft Affidavit Official breach letters from XXXX and XXXX XXXX XXXX, confirming my personally identifiable information ( PII ) was compromised in two separate data breach incidents 2. Unverifiable Collection Accounts No Response from Furnishers : I am also disputing two ( 2 ) collection accounts on my TransUnion report that are unverified and unverifiable : XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) still reporting as of XX/XX/XXXX, despite no response to my debt validation and Date of First Delinquency ( DOFD ) request mailed on XX/XX/XXXX. 

XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XXXX ) closed but still reporting negatively, despite the same request sent on XX/XX/XXXX. 

I have received no correspondence or proof of validation from either company. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), this failure to validate or verify makes these accounts unverifiable and eligible for removal.

FCRA Violations Committed by TransUnion : 605B Failure to block fraudulent inquiries related to identity theft.

611 ( a ) Failure to conduct a proper reinvestigation.

609 ( a ) ( 1 ) Failure to provide information on accounts and furnishers.

1681i ( a ) ( 1 ) - ( 2 ) Failure to maintain systems that facilitate rather than obstruct the dispute process.

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