Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against TransUnion concerning their failure to remove unauthorized and inaccurate information from my credit report despite my explicit requests and detailed dispute submissions. TransUnions continuous reporting of these erroneous items severely impacts my creditworthiness, causing substantial financial and emotional distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized collection account reporting. 
Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Story : I have repeatedly communicated to TransUnion that I have never had a contractual or financial relationship with XXXX XXXX XXXX XXXX XXXX TransUnion continues to report this unverifiable collection account despite my previous disputes, clearly violating my rights under FCRA Section 623 ( a ) ( 8 ). Their continued reporting damages my credit profile, significantly hindering my ability to obtain fair credit terms, causing severe financial limitations and emotional distress. 

XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized inquiry. 
Law : Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ) XXXX XXXX XXXX XXXX XXXX has made an unauthorized inquiry into my credit report without my permission or any legitimate reason. TransUnion has ignored my previous requests to remove this inquiry, violating section 604 of the FCRA. This unauthorized inquiry has negatively impacted my credit score and financial opportunities. 

XXXX XXXX XXXX dated XXXX : Unauthorized inquiry. 
Law : Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ) XXXX XXXX XXXX XXXX  performed an unauthorized inquiry without permissible purpose or my consent. Despite disputing this with TransUnion, they continue to report this inquiry, causing undue damage to my credit profile and financial standing. 

XXXX XXXX dated XXXX : Unauthorized inquiry. 
Law : Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ) Story : The inquiry conducted by COAF was unauthorized, without my explicit consent, violating FCRA regulations. TransUnions refusal to remove this unauthorized inquiry significantly affects my financial health and creditworthiness, limiting my access to fair credit opportunities. 

XXXX XXXX XXXX dated XXXX : Unauthorized inquiry. 
Law : Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ) XXXX XXXX XXXX XXXX  performed an inquiry without my consent or permissible purpose. Despite multiple disputes submitted to TransUnion, this unauthorized inquiry remains, unfairly harming my credit score and limiting my financial prospects. 

XXXX XXXX dated XXXX : Unauthorized inquiry. 
Law : Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ) XXXX XXXX XXXX accessed my credit information without my permission or a valid reason, violating my rights under the FCRA. TransUnion continues to ignore my repeated dispute submissions, allowing this inquiry to unjustly impact my financial integrity and credit profile. 

I respectfully request the CFPB to intervene promptly and ensure TransUnion complies fully with the provisions of the FCRA by immediately removing the unauthorized and inaccurate information outlined above. Their ongoing non-compliance significantly harms my financial well-being, necessitating your immediate action. 

Thank you for addressing this critical matter urgently.

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