Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I recently reviewed my credit report and found information that absolutely should not be there. 
After carefully reviewing my file, I discovered accounts and hard inquiries reporting under my name that I never authorized. 

The unauthorized accounts currently appearing on my TransUnion report are : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX I never opened these accounts. I did not sign any contracts, authorize any applications, or consent to have these accounts reported to any credit bureau. 
Furthermore, I never gave permission for my credit file to be accessed in connection with them. 

I have enclosed a copy of my Police Report ( XXXX XXXX. XXXX ) documenting this situation. 
According to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), when a consumer provides valid identity theft documentation, the credit bureau must block and delete the disputed information within four ( 4 ) business days unless it can verify that it was properly authorized. 

This has not been done. 
The continued presence of these unauthorized accounts on my file has damaged my creditworthiness, caused financial harm, and violated my federal rights. 

LEGAL VIOLATIONS : Based on the Fair Credit Reporting Act ( FCRA ), the actions and omissions of TransUnion represent multiple violations of federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose No person or entity may access or report a consumers credit information without a lawful permissible purpose.

I did not authorize these accounts, nor did I give consent for any credit inquiries associated with them. 
There is no written agreement or documentation proving I gave permission. 
Therefore, these accounts are appearing on my credit report without a permissible purpose, constituting a direct violation of Section 604.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Duty to Block and Delete Fraudulent Information Under this section, once a consumer provides a valid identity theft report, the credit bureau is required to block and delete the disputed information within four ( 4 ) business days. 
I submitted my Police Report ( XXXX ), which serves as official evidence of fraud and activates XXXX legal duty to remove these accounts. 
Failure to act promptly constitutes a violation of Section 605B.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy TransUnion must follow reasonable procedures to assure maximum possible accuracy. 
Reporting unauthorized accounts that have no verification or consumer consent violates this duty and fails the standard of accuracy required under federal law.

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Upon receiving a dispute, TransUnion must reasonably investigate and delete any item that can not be verified with actual documentation. 
If TransUnion and the furnishers can not produce written proof that I authorized these accounts, they are legally obligated to delete them immediately.

FCRA Section 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion After Deletion If these accounts are deleted and later reinserted, strict reinsertion requirements apply : The furnisher must provide written certification verifying the information is accurate and legitimate.

TransUnion must notify me in writing within five ( 5 ) business days of any reinsertion.

There must be documentary evidence proving I authorized the account.

Any reinsertion that does not meet these conditions is a willful violation under 15 U.S.C. 1681n, which carries civil liability. 

XXXX XXXX COMPLIANCE VIOLATIONS : Under XXXX XXXX XXXX standards, data reported to credit bureaus must be : Accurate Complete Consistent Current The disputed accounts fail these requirements because : They are inaccurate ( I never authorized them ). 

The inquiries and reporting lack a valid permissible purpose. 

There is no documentation supporting their inclusion in my credit file. 

Under both the FCRA and XXXX XXXX compliance guidelines, these accounts must be permanently deleted. 

PERSONAL IMPACT : This is not a minor clerical issue these errors have caused severe real-world harm to my financial life : My credit score dropped significantly, damaging my ability to qualify for fair credit.

I was denied a mortgage, and the loan officer specifically identified these accounts as the cause.

I was able to obtain vehicle financing, but only at extremely high interest rates, costing me hundreds of extra dollars every month. 

I was denied a credit card, and each application results in new hard inquiries, worsening my situation even further. 

Ive spent hours and days gathering evidence, making phone calls, and filing disputes, all to correct information that should never have been there in the first place. 

This cycle has caused financial stress, emotional anxiety, and reputational damage, affecting my ability to move forward with major life and financial goals.

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