Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXX Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. 
A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the XXXX XXXX consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
TransUnion has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation duty. 
Upon dispute, a CRA must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. In this case, TransUnion has not provided any verifiable evidence of authorization, which constitutes a violation of this section and requires immediate deletion of the account. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information. 
Maintaining this account in my file without my consent is an improper disclosure of my non-public personal information and exposes me to reputational and financial harm. 

Non-Compliance with XXXX XXXX Standards : According to XXXX XXXX XXXX, data furnishers and XXXX must ensure completeness, accuracy, and verifiable integrity of all reported data. 
In this case : The account is unauthorized and inaccurate. 

The inquiry linked to it lacks a valid permissible purpose. 

There is no verifiable documentation supporting its legitimacy. 

Therefore, the reported item is inherently inaccurate and violates both FCRA and XXXX XXXX standards. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 
When approved for credit, I am forced to pay significantly higher interest rates. 
I was recently denied rental housing because of this negative information. 
My insurance premiums are higher due to credit-based pricing. 
This has caused ongoing financial stress and embarrassment.

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