Consumer complaint received 2025-07-20 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 submitting this formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) to address significant inconsistencies and legal violations currently affecting my TransUnion credit report. Account with Legal Irregularities XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Partial Account Number : XXXX XXXX XXXX Reported Only By : TransUnion Not Reported By : XXXX XXXX XXXXx Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$17000.00} Past Due : {$1200.00} Status : Voluntary Repossession Closed / Derogatory Nature of Violation : This account is being exclusively reported on TransUnion, and is absent from both XXXX XXXX XXXX credit files. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. Reporting a derogatory account to only XXXX bureau, without consistent reporting to all three, creates an incomplete and misleading representation of my credit profile. Furthermore, no documentation has been provided to confirm that this account is being reported in accordance with the requirements of 1681i or 1681g, and I have not received periodic billing statements or final balance disclosures as required under 15 U.S.C. 1666b of the Truth in Lending Act ( XXXX ). This inconsistent reporting pattern results in prejudicial treatment from lenders who rely solely on TransUnion data, and raises serious compliance concerns under federal consumer protection laws. Unauthorized Hard Inquiries TransUnion The following hard inquiries were accessed and recorded on my TransUnion report without my knowledge, request, or written consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Violation : These inquiries were made without permissible purpose, in violation of 15 U.S.C. 1681b, which mandates that consumer reports may only be accessed under limited and legally defined circumstances ( such as a credit application initiated by the consumer ). I did not authorize, apply for, or initiate contact with any of the listed entities around the listed dates. These unauthorized inquiries represent a breach of my privacy and contribute to unfair and damaging deductions in my credit score. Per FCRA 604, you are obligated to remove them upon dispute if they can not be substantiated. Requested Actions : In accordance with the FCRA and TILA, I respectfully demand the following : Immediate deletion of the Western Fund account from my TransUnion file based on inconsistent and selective reporting, lack of proper documentation, and FCRA/TILA violations. Permanent removal of the above-listed unauthorized inquiries from my TransUnion file. Written confirmation that these deletions have been made and that no reinsertion will occur without full compliance with 1681i ( a ) ( 5 ). A full description of the reinvestigation procedures conducted, as required by 1681i ( a ) ( 6 ). Enclosures : Copy of FTC Identity Theft Report ( No. XXXX ) Copy of government-issued ID Proof of current address Highlighted copy of TransUnion credit report showing account and inquiries If you fail to act within the legally required time frame, I will proceed with formal complaints to the Federal Trade Commission XXXX FTC ) and pursue remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

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