Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the reporting of inaccurate information and unauthorized inquiries that continue to appear on my credit file. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the credit reporting agencies and furnishers have failed to maintain maximum possible accuracy and have allowed multiple unauthorized inquiries and unverified reporting that are causing me severe financial harm. 
XXXX XXXXXXXX XXXX XXXX High Balance : {$4900.00} Date Opened : XX/XX/XXXX Late Payment. Issue : This account is being reported with a late payment that is not accurate or properly verified. Law : Under FCRA XXXX, furnishers of information are required to ensure maximum possible accuracy and under XXXX, the credit bureau must reinvestigate disputed items within 30 days. Story : This alleged late payment is not only inaccurate but it also reflects a failure of the furnisher to provide proper validation. I was never given a proper notice of delinquency nor any opportunity to cure the alleged default, which constitutes a direct violation of my consumer rights. The account reporting creates an unfair and misleading picture of my financial history. Because of this error, I have been denied favorable lending terms and forced into a more difficult financial situation, which is not only unfair but unlawful. I demand immediate deletion of this late payment notation as it can not be substantiated with proper documentation. 
XXXX XXXX XX/XX/XXXX XXXX. Issue : Unauthorized and unverified inquiry appearing on my report. Law : FCRA XXXX requires written consent or a legally permissible reason before an inquiry is placed. Story : I never initiated any application or transaction that would permit XXXX XXXX to obtain my credit report. The inclusion of this inquiry without my knowledge is not only an error but also a breach of my right to privacy. This has caused harm by reducing my credit score and portraying me as someone applying excessively for credit, which is false. This must be deleted immediately. 
XXXX XXXX XX/XX/XXXX Inquiry. Issue : Improper access and unauthorized pull. Law : Under FCRA XXXX, any inquiry without consumer consent or legitimate business need is unlawful. Story : This is another violation where my credit report was accessed without a permissible purpose. The repetition of these inquiries is highly concerning, showing systemic abuse of consumer rights. This false and unauthorized record continues to harm my financial standing and must be permanently deleted. 
I am requesting that the CFPB investigate these violations, hold the furnishers and credit reporting agencies accountable, and take immediate corrective action to remove these inaccurate late payment notations and unauthorized inquiries from my file. These violations are ongoing and must be addressed to protect not only my rights but the rights of other consumers facing similar abuse. 
Thank you for your attention to this serious matter.

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