Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and found something that really concerns me. There are several accounts and hard inquiries being reported that I never authorized. Specifically, the following items are appearing on my file without my consent : Accounts : XXXX Account XXXX. XXXX XXXX  XXXX Account No. XXXX XXXX Account XXXX. XXXX Hard Inquiries : XXXX XX/XX/year> XXXX  XXXX XX/XX/year> I didnt open these accounts, I didnt authorize any of these inquiries, and I never gave permission for them to appear on my credit file. At no point did I provide written authorization, verifiable electronic consent, or any other form of permission for these entities to access or report my credit information. 

Ive already filed a Police Report ( XXXX XXXX. XXXX ) documenting this situation, confirming that these items are unauthorized and must be removed. Their continued presence has caused significant harm to my financial stability and personal reputation. 

LEGAL VIOLATIONS : After researching my rights under the Fair Credit Reporting Act ( FCRA ), I identified multiple violations committed by TransUnion and the furnishers involved : FCRA 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : No one may access or report a consumers credit information without a legitimate permissible purpose supported by the consumers consent. There is no signed authorization or valid documentation from me permitting these accounts or credit pulls. Therefore, their inclusion on my file constitutes a direct violation of this section.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft : Once a consumer submits a valid identity-theft report ( such as my Police Report XXXX ), the credit reporting agency must block and delete the disputed information within XXXX ( XXXX ) business days. Despite receiving my documentation, TransUnion has continued to publish this information, violating its duty to act promptly under federal law. 

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : Credit bureaus are required to follow reasonable procedures to assure the maximum possible accuracy of the information they report. Continuing to report unverified, unauthorized accounts and inquiries fails to meet that legal standard.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Disputed Information : When a consumer disputes information, the bureau must conduct a reasonable investigation and delete any data that can not be verified with actual documentation. If TransUnion can not produce written proof that I authorized these accounts, it must permanently delete them. 

Reinsertion Rules FCRA 611 ( a ) ( 5 ) ( B ) : If any deleted item is later reinserted, TransUnion must obtain a written certification from the furnisher proving accuracy and legitimacy, and must notify me in writing within XXXX ( XXXX ) business days. Reinsertion without full compliance constitutes a willful violation under 1681n. 

XXXX XXXX Compliance : Under CDIA XXXX XXXX standards, all data reported must be accurate, complete, consistent, and current. These accounts and inquiries fail those standards : They are inaccurate because they were never authorized. 

They lack a permissible purpose. 

There is no supporting documentation verifying consumer consent. 

PERSONAL IMPACT : This situation has caused severe and measurable harm : I was denied a mortgage because the loan officer cited these unauthorized accounts as the primary reason. 

When I obtained vehicle financing, my interest rate was far higher than it should have been, costing me hundreds of dollars in extra payments every month. 

I was denied a credit card that I genuinely needed, and each new denial triggers more hard inquiries, worsening the damage. 

The stress of this situation has been ongoing : Ive lost hours gathering documents, making calls, and writing letters just to fix data that should never have been reported. 

This has put my financial goals on hold and caused emotional distress and anxiety. I am being financially penalized for information that is false and unlawfully maintained on my report.

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