Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of derogatory information and unauthorized hard inquiries appearing on my credit report. Despite attempts to resolve these issues directly with the credit bureau, these violations persist and are causing significant harm to my creditworthiness and financial stability. 

XXXX. XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Late Payment Issue : This account was closed long ago and has a XXXX balance. However, TransUnion continues to report a history of late payments. 
Law Violated : FCRA 605 ( a ) ; FCRA 607 ( b ) ; FCRA 611 Details : Reporting late payments on an account that is over XXXX XXXX XXXX, closed, and with a {$0.00} balance serves no permissible purpose. The continued reporting of this outdated derogatory item is misleading, inaccurate, and directly violates FCRAs maximum accuracy standards and reporting limitations. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry made without permissible purpose. 
Law Violated : FCRA 604 ( a ) ( 3 ) ; 604 ( c ) ( 1 ) Details : I did not apply for credit with CPS and did not authorize this hard inquiry. No permissible purpose exists to justify their access to my credit report. 

XXXX. XXXX XXXX XXXX XXXX Dated XX/XX/XXXX Issue : Hard inquiry without consent or business relationship. 
Law Violated : FCRA 604 ( a ) ( 3 ) ; 607 ( a ) Details : I have never interacted with this entity, nor did I authorize a credit pull. The presence of this inquiry is a violation of my privacy and credit rights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry made without consumer authorization.

Law Violated : FCRA 604 ( a ) ( 3 ) ; 611 Details : I did not apply for any credit or service from XXXX XXXX, and I did not authorize any such inquiry. No documentation exists that could justify this access. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Issue : Inaccurate and unverified inquiry. 
Law Violated : FCRA 604 ; 616 Details : I have no application, account, or consent related to this creditor. I believe this is either an error or a violation of permissible use policies. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry made without consumer initiation.

Law Violated : FCRA 604 ( a ) ; 607 Details : I never authorized XXXX to access my credit file. I demand evidence of consent or removal of this inquiry. 

XXXX. XXXX OF XXXX XXXX Dated XX/XX/XXXX Issue : Unauthorized and unverifiable inquiry. 
Law Violated : FCRA 604 ( a ) ( 3 ) ( A ) ; 611 Details : I did not authorize XXXX  XXXX XXXX to pull my credit report at the time of this inquiry. I have not had any recent dealings with this institution. 

What would be a fair resolution to this issue? 
Immediate deletion of all unauthorized and unverified inquiries listed above from my TransUnion credit file. 

Permanent removal of the outdated derogatory late payment history on the XXXX XXXX account, which has a {$0.00} balance and was closed long ago. 

Written confirmation from TransUnion of all deletions and corrections. 

Internal investigation by the CFPB into XXXX continued violations of FCRA laws, and enforcement action if necessary. 

I have attached a copy of my government-issued ID and proof of address, along with supporting screenshots and documentation relevant to these disputes. I respectfully request your urgent assistance in investigating this matter and ensuring that my rights as a consumer are upheld.

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