Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for their ongoing mishandling of my disputes concerning the XXXX XXXX  ( Acct # XXXX ) and XXXX XXXX  ( Acct # XXXX ) accounts, which have been reported on my credit file without my knowledge, consent, or authorization. I first disputed the accuracy of these accounts in XX/XX/year>, submitting all the required documentation, including a XXXX letter with tracking number XXXX. Despite this, I received a letter from TransUnion on XX/XX/year>, stating that these accounts were " verified as accurate. '' This response is not only misleading but blatantly false. How can TransUnion claim that these accounts were verified when I have clearly stated that I never authorized them to be reported in the first place? The failure to remove these unauthorized accounts from my credit file is an ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681e ( b ) ( accuracy ). The FCRA mandates that credit reporting agencies ensure that the information they report is accurate and verified. TransUnion has not only failed to verify these accounts correctly but has continued to report them despite my clear objections. This issue has caused significant damage to my credit profile and financial standing, as these unauthorized accounts have been affecting my creditworthiness and ability to secure credit. The failure of TransUnion to act in accordance with the law and remove these accounts has led to emotional distress and financial hardship, as I have been unable to qualify for important financial products due to inaccurate reporting. Furthermore, the FTC website shutdown has prevented me from filing another Identity Theft Report, further complicating my efforts to resolve this matter. Despite this, I have already filed complaints with the Attorney General regarding this ongoing issue, but TransUnion continues to ignore its legal obligations. I am requesting that TransUnion provide full disclosure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) regarding the verification of these accounts. Specifically, I demand that you disclose the method you used to verify this information and the names, addresses, and phone numbers of the furnishers you contacted during your investigation. I also demand that you provide documentation of how these accounts were verified and explain why they continue to appear on my credit report despite my repeated disputes. This failure to act on TransUnions part is unacceptable, and I am left with no choice but to escalate this issue further if not resolved immediately. I am demanding the immediate and permanent deletion of these unauthorized accounts from my credit report. Additionally, I expect written confirmation that these accounts will not be reinserted without proper verification and compliance with the FCRA. If TransUnion does not resolve this matter within XXXX calendar days, I will pursue legal action, including seeking statutory damages, actual damages, punitive damages, and attorneys fees as outlined under 15 U.S.C. 1681n and 1681o. I am beyond frustrated with this situation, and I will not tolerate further delays, contradictions, or inaction. This is a serious matter that requires immediate attention, and I expect prompt action to correct these errors. The continuous mishandling of my disputes by TransUnion has already cost me time, money, and peace of mind. If this matter is not addressed immediately, I will be forced to pursue further legal remedies to enforce my rights under the FCRA.

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