Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
Dear TransUnion, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 
XXXX XXXX - XXXX - Please verify that the late payments reporting are actually reporting correctly? - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). 
If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). 
If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. 
XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) 15 U.S.C. 1681b ( a ) ( 3 ) A credit bureau can not list an inquiry unless there is a permissible purpose ( e.g., application for credit ). 
XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b Incorrect Name - XXXX XXXX XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect DOB - XX/XX/XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXXXXXX XXXX XXXX IL, XXXXXXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXXXXXX XXXX XXXX IL, XXXXXXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXXXXXX XXXX XXXX IL, XXXXXXXX - Delete personal data due to violation of 15 USC 1681e ( b ) EMPLOYER - XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) * Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.

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