Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an unauthorized collection account and multiple hard inquiries that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

The unauthorized account is : Account Name : XXXX XXXX Account Number : XXXX In addition, my report shows multiple hard inquiries that were made without my consent or any permissible purpose : 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 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 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 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. 
A consumers credit file may only contain information obtained for a permissible purpose, which requires the consumers express consent. The inclusion of this account ( XXXX XXXX, XXXX ) and all related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a valid police report identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report Police Report XXXX XXXX. XXXX which clearly identifies the disputed items. Despite this, TransUnion continues to report the unauthorized account and the hard inquiries, causing ongoing harm.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

TransUnion has failed to maintain only accurate, verifiable, and complete information. The absence of verifiable documentation from furnishers or the CRA demonstrates that this legal standard has not been met.

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation Duty. 
The CRA is required to conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. TransUnion has failed to remove these unverifiable entries.

FCRA Section 1681a ( 4 ) Protection of Non-Public Personal Information.

By maintaining and sharing these entries without my consent, TransUnion is unlawfully exposing my private data.

Metro 2 Non-Compliance.

Under CDIA/Metro 2 data standards, all information must be complete, accurate, consistent, and current. The disputed entries violate these integrity requirements due to missing authorization data and inaccurate reporting fields. 

PERSONAL IMPACT : I have been denied legitimate credit applications due to this unauthorized account and inquiries. 
When approved, I am forced to pay higher interest rates. 
I was recently denied rental housing because of this negative information. 
My insurance premiums have increased due to credit-based pricing. 
This ongoing situation has caused significant financial stress, time loss, and embarrassment.

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