Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am submitting this summary to explain the problems I am experiencing with my TransUnion credit report and to show how each issue is supported under the Fair Credit Reporting Act ( FCRA ). The issues I am disputing fall into three categories : identity theft, inaccurate personal information, and account-level reporting errors. 
I am submitting this statement to formally dispute multiple errors on my TransUnion credit report and to request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). My personal information was compromised in the XX/XX/XXXX TransUnion data breach, and since then I have been dealing with identity theft, fraudulent inquiries, inaccurate personal information, and account-level reporting errors. Despite providing all necessary documentationincluding my FTC Identity Theft Report, government-issued identification, and proof of addressthese issues remain unresolved. 

Fraudulent Hard Inquiries ( FCRA 605B ) TransUnion is reporting multiple unauthorized hard credit inquiries from XXXX  XXXX, XXXX XXXX, and XXXX XXXX dating from XXXX through XXXX. I did not authorize these inquiries and did not apply for credit with these companies during these periods. Under 15 U.S.C. 1681c-2, these inquiries should have been blocked and deleted within four business days of my identity-theft documentation being submitted. TransUnion has not done this. These unauthorized inquiries are causing direct harm to my credit profile and financial standing. 

Inaccurate Personal Information ( FCRA 1681e ( b ) ) TransUnion continues to report personal information that is incorrect, including : An address where I have never lived Name variations associated with identity theft An employer I have never worked for I submitted valid identification and proof of my current address to verify my correct information. TransUnion has not corrected these inaccuracies, despite its legal duty under 1681e ( b ) to maintain maximum possible accuracy. These errors are misleading potential lenders and causing ongoing harm.

Unverified or Conflicting Account-Level Data ( FCRA 1681e ( b ) & 1681i ) Several accounts on my reportincluding XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and multiple DPT EDXXXX student loan accountscontain : Conflicting dates of account opening, last activity, and reporting Inaccurate late-payment notations Payment histories that do not match information reported to other CRAs Unverified or unverifiable data I submitted my initial disputes, but TransUnion has continued to report these inaccuracies. Under the FCRA, any information that can not be verified must be deleted rather than maintained. Continuing to report unverifiable or conflicting information violates federal law and directly harms my creditworthiness. 

Procedural Failures and Harm TransUnion has failed to provide written results of a compliant reinvestigation, has not corrected identity-theft indicators, and continues to report inaccurate and unverifiable information. These failures have caused material harm to my financial recovery and continue to expose me to risks stemming from the data breach. Check Attached Documents

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