Consumer complaint received 2025-03-23 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:
Investigation Team for TransUnion, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX XXXX BANK XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC XXXXe ( b ) - I PAID THIS IN FULL - and after numerous conversations with this company this should have been removed after I paid it off which has been fulfilled. 
XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC XXXXe ( XXXX ) - Verify this belongs to me. open date, payment history is inaccurate- Delete account immediately for violation of 15 USC XXXXe ( b ) XXXX XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC XXXX ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX - The court has provided me with an affidavit stating that they do not verify or validate any public records through your organization. I request that you immediately delete this unverified account. - This account is in violation of 15 U.S. CXXXXe XXXXa ( XXXX ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account.Your company is currently furnishing information that has not been verified, which is a direct violation of 15 USC XXXXb and 15 USC XXXXe ( b ) of the Fair Credit Reporting Act ( FCRA ). I have not given your company permission to furnish or report any unverified information regarding my financial records.I demand that you delete this bankruptcy entry immediately to remain in compliance with federal law Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Rep I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have XXXX days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
XXXX XXXX - XX/XX/XXXX - XXXX that the following inquiry was authorized? - Delete this inquiry due to Violation of 15 USC XXXXb XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - Delete this inquiry due to Violation of 15 USC XXXXb XXXX XXXX XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - Delete this inquiry due to Violation of 15 USC XXXXb Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 
Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Social Security : XXXX Thank you for taking the time to look into these, I am very excited to hear back from you!

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