Consumer complaint received 2025-12-01 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:
I am filing a formal complaint against TransUnion for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting, reinsertion of accounts without notice, failure to conduct a proper investigation, and improper sharing of my personal information with third party skip tracing companies without my consent. TransUnion is reporting multiple inaccurate accounts. I have disputed several accounts with TransUnion multiple times since XXXX and again in XXXX. 
These accounts are factually inaccurate, do not belong to me, or contain incorrect balances or statuses. Despite sending TransUnion : dispute letters, documentation, identity verification, proof of inaccuracies, TransUnion continues to report the same inaccurate information. 

TransUnion temporarily deletes accounts then reinserts them without notice. Under FCRA 611 ( a ) ( 5 ) ( B ), TransUnion is prohibited from reinserting information unless it receives certification of accuracy from the furnisher, and it provides me written notice within XXXX business days of reinsertion. TransUnion repeatedly : deletes disputed items temporarily, puts them back on my file, provides NO certification, provides NO reinsertion notice, and does not comply with 611 ( a ) ( 5 ) ( B ) ( XXXX ). This is a clear reinsertion violation. TransUnion is using XXXX /Sagestream /Accurent, skip trace vendors without my consent. TransUnion admitted to sending my dispute information to XXXX ( a third-party skip trace and data aggregation company ) to investigate my disputes. 
I opted-out of XXXX data sharing in XXXX and did NOT authorize TransUnion to send my personal information, access skip trace databases, use data brokers, or share my consumer file with any third party.This violates : FCRA 604 ( c ) ( no permissible purpose ) FCRA 609 ( a ) ( failure to disclose sources ) FCRA 610 ( a ) ( furnisher responsibilities ) FCRA 623 ( a ) ( 1 ) ( A ) ( duty to ensure accuracy ) TransUnion has no right to use XXXX  party data brokers I have explicitly opted out of, and doing so is an unauthorized dissemination of my consumer information. 
TransUnion failed to conduct a reasonable investigation. Under FCRA 611 ( a ), TransUnion must conduct a reasonable reinvestigation, correct or delete inaccurate information, stop reporting unverifiable information. Instead they verified accounts without contacting original creditors, relied on automated systems, relied on inaccurate skip trace data, ignored supporting documentation I provided, and refused to remove or correct anything. This is a violation of 611 ( a ) ( 1 ) ( A ).

TransUnion is reporting multiple unauthorized automobile inquiries. Since XX/XX/XXXX, my credit file shows numerous automobile-related inquiries made by dealerships and finance companies with whom I have no contractual relationship. 
I did not enter into any auto finance agreement, any retail installment contract, or any legally binding obligation with these companies. Under FCRA 604 ( a ) ( 3 ), a hard inquiry requires a permissible purpose, which did not exist. 
TransUnion has been notified of these unauthorized inquiries multiple times and refuses to remove them. Prior CFPB complaints have not resolved the issue. I have submitted prior CFPB complaints regarding these issues. 
TransUnion responds repeatedly with boilerplate templates, vague statements, no documentation, no proof of investigation, and no corrections. The same inaccurate items and inquiries remain. I am being financially harmed. TransUnions false and improperly verified data has resulted in credit score decreases, loan denials, predatory auto loan terms, inability to secure transportation, emotional distress, and ongoing financial harm.

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