Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate and incomplete information, failing to maintain reasonable procedures, and allowing unauthorized or questionable inquiries to appear on my credit file. 
Despite my previous disputes, TransUnion has continued to report derogatory items and hard inquiries that are either outdated, inaccurately reflected, or unverifiable. Below is a detailed breakdown of each item and how it violates the FCRA : Late Payments ( Unverified / Inaccurate / Violative of FCRA Sections 611 & 607 ( b ) ) XXXX. XXXX XXXX Account # : XXXX XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX Issue : Late Payment FCRA Violation : Section 611 Failure to investigate disputed information ; Section 607 ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX XXXX Account # : XXXX XXXX  High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Late Payment FCRA Violation : Reporting obsolete data possibly beyond the XXXX limit ( Section XXXX ( a ) ( XXXX ) ) and failure to verify accuracy. 
3. DEPT OF ED/XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Issue : Late Payment FCRA Violation : Failure to investigate disputed payments per Section XXXX, and possible reporting of inaccurate repayment history. 
4. DEPT OF ED/XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : Late Payment FCRA Violation : Same as above potential outdated status and inaccuracy in repayment history. 
XXXX. XXXX  Account # : XXXXXXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Issue : Late Payment FCRA Violation : This account may be over XXXX XXXX XXXX and should no longer be legally reported ( Section 605 ( a ) ( 5 ) ).

Unauthorized / Unverified Hard Inquiries ( Violation of Section 604 ( a ) ) The following hard inquiries were made without my authorization or permissible purpose, violating FCRA Section 604 ( a ) : XXXX. XXXX  Dated XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX Dated XX/XX/XXXX XXXX. XXXX XXXX Dated XX/XX/XXXX Issue : I have never applied for credit with some of these entities, nor have I authorized any such inquiries. TransUnion has failed to validate the permissible purpose of these inquiries or provide supporting documentation upon request. These inquiries are negatively impacting my credit score and were either unauthorized or a result of identity theft or error.

Legal Basis for Complaint TransUnion is in direct violation of the following FCRA sections : 607 ( b ) Obligation to follow reasonable procedures to ensure maximum possible accuracy.

611 Failure to properly investigate consumer disputes.

604 ( a ) Hard inquiries made without permissible purpose or consumer consent.

605 ( a ) ( 5 ) Prohibition on reporting accounts older than 7 years from the date of delinquency.

602 ( A ) Consumer rights to fair and accurate reporting, and protection of privacy.

Requested Resolution I am formally requesting the following : 1. Immediate deletion of the late payment notations listed above if they can not be verified with full documentation.

2. Removal of any accounts that are obsolete under FCRA time limitations.

3. Deletion of all unauthorized inquiries that can not be substantiated with consumer consent records.

4. A full reinvestigation and written explanation of the steps TransUnion took to verify each item per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

5. Compensation for damages caused by the reporting errors, if applicable under CFPB rules.

Final Note TransUnion has continuously failed to comply with my rights under the FCRA, despite prior dispute efforts. This not only reflects a violation of federal law but also constitutes willful negligence and harm to my financial standing. I urge the CFPB to take immediate enforcement action to ensure that TransUnion corrects these inaccuracies, ceases the unauthorized sharing of my credit data, and follows all lawful requirements of the FCRA.

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