Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
NOTICE OF DISPUTE OF UNAUTHORIZED INQUIRIES & INACCURATE DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX RE : IMMEDIATE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES, AUTHORIZE USER ACCOUNT, INCORRECT PERSONAL DATA & EMPLOYER RECORDS FILE NO. XXXX To Whom It May Concern : This letter serves as my formal dispute under 15 U.S.C. 1681b, 1681e, 1681i, and UCC 1-103, demanding the immediate deletion of all unauthorized hard inquiries, false name variations, unrelated addresses, and fabricated employer entries listed in my credit file ( TransUnion XXXX XXXX. XXXX ). 

I. INCORRECT AND OR FRAUDULENT NAME VARIATIONS : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, credit reporting agencies are required to ensure that all identifying informationincluding a consumers legal nameis reported with maximum possible accuracy, and any misspelling or unauthorized variation must be corrected or deleted upon dispute. Continued reporting of incorrect name variations after notice constitutes willful noncompliance, and under UCC 1-103 ( a ), such misrepresentation supports a claim for statutory damages due to bad faith and injury to reputation. I demand the immediate deletion of this inaccurate name spelling within 4 days. 
The following inaccurate name is listed on my credit report and must be removed : XXXX XXXX XXXX CORRECT LEGAL NAME : XXXX XXXX XXXX. INCORRECT & OR UNAUTHORIZED ADDRESSES NOT ASSOCIATED WITH ME : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum possible accuracy and promptly delete any unverifiable or false address upon dispute. Failure to do so, especially after notice, constitutes willful noncompliance, and under UCC 1-103 ( a ) and 1-201 ( b ) ( 20 ), reflects commercial bad faith and misrepresentation, making the agency liable for statutory and punitive damages. I demand the immediate deletion of this address within 4 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported : XXXX XXXX XXXX FALSE EMPLOYER ENTRIES : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act, credit reporting agencies must ensure that employment information is accurate and verifiable, and remove any false or unverified employer data upon notice of dispute. Reporting false employment constitutes material misrepresentation, and under UCC 1-103 ( a ), reflects a lack of good faith and fair dealing, making the agency liable for statutory damages and reputational harm. 
I demand the immediate deletion of these inaccurate employers within 4 days BENEFIARY ( incorrect employment DELETE IMMEDIATELY ) XXXX XXXX ( incorrect employment never worked there DELETE IMMEDIATELY ) CORRECT EMPLOYER : XXXX XXXX XXXX XXXX. INCORRECT PHONE NUMBERS : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act, consumer reporting agencies must maintain only accurate, verifiable contact information, including phone numbers directly associated with the consumer. The inclusion or continued reporting of incorrect or unauthorized phone numbers after dispute constitutes a breach of this duty and, under UCC 1-103 ( a ), may be deemed a misrepresentation made in bad faith, exposing the agency to liability for actual and statutory damages. I demand the immediate deletion of these inaccurate phone numbers within 4 days. 
Phone Numbers : ( XXXX ) XXXX ( Incorrect, Not Mine, DELETE IMMEDIATELY ) ( XXXX ) XXXX ( Incorrect, Not Mine, DELETE IMMEDIATELY ) CORRECT PHONE NUMBER : ( XXXX ) XXXX V. Removal of Unauthorized and Inaccurate Account on Credit Report : Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act, credit bureaus must report only accurate and verifiable account information ; listing an authorized user account without the consumers consent or benefit is a violation of this duty. If not removed upon dispute, such reporting constitutes willful noncompliance and, under UCC 1-103 ( a ), may be treated as fraud or misrepresentation, exposing the agency and data furnisher to civil liability for actual, statutory, and punitive damages. 

I demand the immediate deletion of these accounts within 4 days. 
XXXXXXXX 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 ( Incorrect, Not Mine, DELETE IMMEDIATELY ) UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : The following companies have placed inquiries on my credit file without my knowledge, benefit, or written consent in violation of FCRA 1681b and Regulation B ( 12 CFR 1002.2 ( l ) ) as required by FCRA 604 ( a ) ( 3 ) and must be removed : I demand the immediate deletion of these unauthorize inquires within 4 days. 
Inquiry Name Inquiry Date ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FCRA 604 ( a ) ( 3 ) No permissible purpose.

FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) Entitlement to reinvestigation and removal.

UCC 1-103 Protection of fairness, equity, and good faith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit bureaus must correct unverified data. 

DEMAND FOR RELIEF : I demand the following within XXXX ( XXXX ) business days of receipt of this letter : XXXX. Delete all unauthorized inquiries listed above. 
XXXX. Delete all unauthorized and incorrect name spellings and variations. 
XXXX. Delete all unauthorized and incorrect employer records. 
XXXX. Delete all unauthorized and incorrect address entries. 
XXXX. Delete all unauthorized credit card accounts. 
XXXX. Written confirmation of deletions and a new copy of my corrected credit file. 

Failure to act will be deemed willful noncompliance under the FCRA, subjecting your bureau and its data furnishers to civil liability under 15 U.S.C. 1681n and 1681o, including statutory, punitive, and actual damages.

This letter also serves as a Notice of Dispute under 15 U.S.C. 1681i, placing your agency on legal notice to reinvestigate each dispute item and correct the disputed items within the timeframe permitted by law. 

Sincerely, XXXX XXXX

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