Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE OWED : {$2700.00} LATE PAYMENT Law : FCRA 1681s-2 ( b ), 1681e ( b ) Issue : Inaccurate delinquency reporting Story : I was never late on this account, and this status misrepresents my creditworthiness. Please correct or delete after reinvestigation XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2025 BALANCE OWED : {$2200.00} COLLECTION Law : FCRA 1681s-2, FDCPA 809 Issue : Improperly reported third-party collection Story : This account was never verified and appears to be duplicated or linked with XXXX XXXX above. Please remove this entry immediately XXXX XXXX  XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Permissible Purpose Issue : No permissible purpose or written authorization provided Story : I did not authorize XXXX XXXX to perform a hard inquiry on my credit file. I have no relationship or initiated transaction with them around the mentioned date, and this inquiry has harmed my creditworthiness unfairly. 

XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized access to credit file Story : I have never applied for any financial services or credit with XXXX XXXX XXXX, and I have no knowledge of this company. This inquiry was not approved by me and must be removed immediately. 

XXXX XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Lack of authorization and permissible purpose Story : I did not give XXXXXXXX XXXX XXXX XXXX XXXX XXXX any consent to access my credit. This was an unauthorized pull and represents a violation of my consumer rights under the FCRA. 

XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Illegitimate inquiry without my consent Story : I did not authorize any credit check by XXXX XXXX and did not apply for any financing with them. This entry is harming my credit unfairly and must be removed. 

XXXX XXXX XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : No consumer-initiated transaction Story : I have never had any dealings with XXXX XXXX XXXX XXXX I did not seek credit, financing, or services from this company. This inquiry is unauthorized and inaccurate. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Absence of written authorization Story : I did not apply for credit with XXXX XXXX XXXX. I have no current or past relationship with this entity. This inquiry was made in error or without permission. 

XXXX XXXX XXXXXX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : No permissible reason for inquiry Story : I am unfamiliar with this company and did not authorize a credit check. This inquiry was not initiated by me and should be immediately deleted. 

XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : No consent or application Story : I did not initiate any application or agreement with XXXX XXXX. This hard inquiry is unauthorized and negatively impacts my credit report. 

XXXX XXXX XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Credit inquiry without consumer approval Story : I have not interacted with XXXX XXXX XXXX XXXX and never gave them permission to access my credit file. This inquiry should be removed. 

XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : No application or authorization found Story : I have never applied for credit or financing with XXXX and did not grant them access to my credit report. This inquiry is unauthorized and inaccurate. 

XXXX XX/XX/2025 Inquiry Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized credit pull Story : I have no relationship with XXXX  and did not authorize this inquiry. This is an unlawful access to my report that must be deleted immediately. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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