Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear CFPB Investigation Team : I am filing this urgent formal complaint regarding systematic and willful Fair Credit Reporting Act violations that have devastated my creditworthiness. My credit scores have been artificially suppressed to XXXX ( Equifax ) and XXXX ( TransUnion ) due to critical violations that require immediate regulatory intervention. 
EXECUTIVE SUMMARY OF VIOLATIONS This complaint involves XXXX primary categories of FCRA violations : ( XXXX ) XXXX or more unauthorized hard inquiries suggesting identity theft or fraudulent activity, ( XXXX ) False student loan delinquency reporting when loans were in authorized deferment status, ( XXXX ) Unverified collection accounts totaling {$41000.00} reported without proper validation, and ( XXXX ) Inconsistent furnisher reporting across credit bureaus. 
The financial impact has been severe. My current credit scores of XXXX should be in the XXXX range without these violations, representing a point reduction of over XXXX points. This has prevented me from qualifying for mortgages, auto loans, employment opportunities, and rental housing, causing ongoing economic damages. 
UNAUTHORIZED HARD INQUIRIES - POTENTIAL IDENTITY THEFT Between XX/XX/XXXX and XX/XX/XXXX, over XXXX financial institutions accessed my credit reports without my authorization, violating FCRA 1681b ( f ). These unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX XXXX  XXXX ( XX/XX/XXXX ). 
These inquiries represent clear violations of 1681b ( f ) ( 1 ) for accessing credit reports without permissible purpose, 1681q for obtaining credit information under false pretenses, and 1681s ( a ) ( 1 ) for failure to provide required disclosures before inquiry. Each unauthorized inquiry reduces credit scores by XXXX points, resulting in a cumulative reduction of over XXXX points. The pattern of automotive-related inquiries suggests potential criminal activity requiring fraud investigation. 
FALSE STUDENT LOAN DELINQUENCY REPORTING The Department of Education is systematically violating FCRA 1681e ( b ) by reporting inaccurate information on XXXX student loan accounts totaling approximately {$38000.00}. All accounts are falsely showing " XXXX Days Late '' when these loans were in authorized deferment status with {$0.00} payments due. The falsely reported accounts include loans for {$4300.00}, {$2800.00}, {$2600.00}, {$4600.00}, {$12000.00}, {$750.00}, {$540.00}, {$6900.00}, and {$3800.00}. 
This represents a critical violation because loans in deferment status should show no late payment history and should reflect the deferment status, not delinquency. These false delinquencies are causing approximately XXXX points in credit score reduction and violate 1681e ( b ) regarding reasonable procedures to assure maximum possible accuracy, 1681i ( a ) for failure to investigate disputes properly, and 1681s-2 ( b ) regarding furnisher responsibilities for accurate reporting. 
UNVERIFIED COLLECTION ACCOUNTS XXXX collection agencies are reporting significant debts without proper validation. XXXX XXXX XXXX reports {$20000.00} allegedly from " The Guarantors '' without providing required collection notices under 1681g ( a ) ( XXXX ) or proper chain of custody documentation. Fair Collections & Outsourcing reports {$21000.00} from " XXXX XXXX XXXX '' in violation of 1681s-2 ( a ) ( XXXX ) ( A ) for reporting unverified information without validation of the original debt. 
INCONSISTENT PAYMENT HISTORY REPORTING XXXX XXXX  XXXX XXXX shows conflicting payment percentages between credit bureaus, with Equifax reporting XXXX XXXX on-time payments while TransUnion reports XXXX XXXX on-time payments. This inconsistent reporting violates 1681i ( a ) ( XXXX ) ( A ) and indicates inaccurate procedures between bureaus. 
LEGAL VIOLATIONS AND DAMAGES This complaint documents multiple federal violations : 1681b ( f ) for XXXX or more unauthorized credit access violations, 1681e ( b ) for systematic inaccuracy in student loan reporting involving XXXX separate accounts, 1681s-2 ( b ) for furnisher violations by the Department of Education and other creditors, and 1681q for potential fraudulent access to credit information. 
Under FCRA 1681n regarding willful noncompliance, I am entitled to actual damages for credit score destruction preventing loans, employment, and housing, statutory damages of $ XXXX {$1000.00} per violation multiplied by over twenty-five violations totaling {$25000.00} or more, punitive damages for systematic FCRA violations, and attorney fees under 1681o.

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