Consumer complaint received 2025-08-12 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: ME

Complaint narrative:
I am submitting this complaint because TransUnion has repeatedly failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in handling my credit report disputes. I have disputed several inaccurate accounts and unauthorized inquiries on multiple occasions, yet TransUnion continues to report these items without producing any lawful verification as required by federal law. 

XXXX of the most damaging entries is XXXX XXXX XXXX XXXX, Date Opened XX/XX/year>, XXXX {$510000.00} XXXX XXXX, which is being reported with a late payment that never occurred. I have always made my payments on time, and I provided bank statements proving this fact. Under FCRA 607 ( b ), a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy, and FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation upon dispute. Despite my providing clear evidence, TransUnion has not obtained or provided any documentation from the furnisher to prove this alleged late payment, yet continues to report it, damaging my mortgage credibility and financial standing. 

Similarly, XXXX XXXX XXXX XXXX Date Opened XX/XX/year>, Balance {$1700.00} XXXX XXXX is also being reported with a false late payment. I have demanded proper verification as required under FCRA 611 ( a ) ( 5 ) ( A ), which clearly states that any information that can not be verified must be deleted. No such verification has been provided, and under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or should know is inaccurate. TransUnions continued reporting without verification shows a complete disregard for these legal requirements. 

In addition to these accounts, my credit file contains multiple unauthorized hard inquiries that I never approved. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under FCRA 604 ( a ) ( 2 ), a consumer report XXXX only be accessed with my written consent or a permissible purpose. I never applied for any loan or credit product with these entities on the dates shown, and TransUnion has not produced any signed authorization or application linking me to these inquiries. The continued presence of these inquiries is not only a privacy violation but also creates a misleading picture of my credit-seeking behavior, which has directly harmed my credit score and reputation with lenders.

TransUnions refusal to correct or delete these items after multiple disputes is a direct violation of FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ), FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ), and FCRA 604 ( a ) ( allowing access to my consumer report without permissible purpose ). These ongoing violations have caused me financial harm, including the denial of credit opportunities and the loss of favorable interest rates. 

I am requesting that the CFPB intervene to compel TransUnion to delete all unverified accounts and unauthorized inquiries from my credit file, provide me with written confirmation of the deletions, and ensure that TransUnion complies with all provisions of the FCRA to prevent further harm. 

I am attaching copies of my prior dispute letters, supporting documentation, and TransUnions responses, which fail to address my concerns or provide any legal verification.

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