Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2300.00} Late Payment Law/Issue : Under FCRA 1681i ( a ) credit reporting agencies must ensure maximum possible accuracy, yet this account is being reported with late payments that are not accurate. Payment history must be reported truthfully under FCRA 1681s-2 ( a ) and any unverifiable or inaccurate late mark must be corrected or removed. 
Story : I have maintained my payments responsibly and never fell behind on this account in the manner you are reporting. The late payment entry is false and damaging to my credit reputation. I already disputed once and your bureau failed to provide proper verification with original creditor documentation. If you can not provide original records from the creditor proving the late payments, you are obligated by law to delete this late payment entry immediately. 
Inquiry XXXX XXXX XXXX Inquiries Law/Issue : FCRA 604 ( a ) states that inquiries may only be placed with permissible purpose and written consent. Multiple inquiries from the same creditor within one day appear excessive, unverified, and harmful to my score. Reporting duplicate or unauthorized inquiries violates FCRA 1681b. 
Story : I did not authorize repeated inquiries from XXXX XXXX on the same date. This suggests either a reporting error or misuse of my personal information. Because these inquiries were not initiated or authorized by me, they must be removed immediately. 

Inquiry XXXX XX/XX/XXXX Inquiries Law/Issue : FCRA 604 ( a ) ( 2 ) requires consumer consent for a hard inquiry. If the bureau can not provide a signed application or direct permissible purpose, this inquiry is unauthorized and must be removed. 
Story : I never applied for credit with XXXX at the time in question. This hard inquiry is unauthorized and damaging to my profile. If you can not provide proof of my consent, you must delete this inquiry immediately. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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