Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for displaying and transmitting false, misleading, and inaccurate information related to my TransUnion credit profile. 
XXXX XXXX system is currently showing unauthorized inquiries caused by a data breach, false derogatory marks and collection accounts that do not exist on my TransUnion report, and incorrect payment reporting for a closed and settled XXXX XXXX XXXX account. 

These errors are damaging my credit reputation and violate multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 



XXXX Unauthorized Inquiries Resulting from Data Breach Between XXXX and XX/XX/XXXX, several unauthorized hard inquiries appeared on my TransUnion profile through Credit Karma. 
I did not authorize these inquiries, and they resulted from a data breach associated with XXXX XXXX platform. 

The fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX failed to prevent or remove the remaining unauthorized inquiries even after I raised concerns about potential identity compromise. 

These unauthorized inquiries violate : FCRA XXXX ( a ), ( f ) : No permissible purpose for accessing consumer credit data. 
FCRA XXXX ( b ) : Failure to maintain procedures ensuring maximum possible accuracy. 
GLBA XXXX ( b ) : Failure to safeguard sensitive consumer information from unauthorized access. 



XXXX False and XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion summary page is displaying inaccurate credit factors and false negative information that do not appear on my official TransUnion credit report. 
Examples include : Payment History : Displayed as Needs Work ( XXXX % ) despite consistent on-time payments. 
Derogatory Marks : Listed as XXXX even though no valid derogatories appear on my TransUnion report. 
Hard Inquiries : Displayed as XXXX, many of which are breach-related and not authorized. 

Additionally, XXXX XXXX shows XXXX false collection accounts : XXXX XXXX XXXX {$940.00} ( Opened XX/XX/XXXX ) Portfolio Recovery {$960.00} ( Opened XX/XX/XXXX ) Neither of these appears on my official TransUnion report, proving that XXXX XXXX is publishing inaccurate, unverified, and misleading data to consumers. 

Violations : FCRA XXXX ( A ) : Duty to ensure fair and accurate reporting. 
FCRA XXXX ( b ) : Failure to assure maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Displaying information known to be false or unverifiable. 
GLBA XXXX ( b ) : Negligent handling of consumer data integrity. 



XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX TransUnion feed also misrepresents my closed XXXX XXXX XXXX loan, showing it as XXXX days late and reflecting only XXXX  % on-time payments, even though the account : Has a {$0.00} balance, Was closed in good standing on XX/XX/XXXX, and Clearly lists Dispute resolved reported by XXXX and Settled less than full balance. 

Despite these remarks confirming settlement and closure, XXXX XXXX continues to flag the account as derogatory and delinquent. 
This is false reporting that misleads both me and potential creditors reviewing my profile. 

Violations : FCRA XXXX ( b ) : Failure to maintain procedures ensuring data accuracy. 
FCRA XXXX ( a ) : Failure to correct information after a dispute was resolved. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing or displaying information known to be inaccurate. 



XXXX Harm and Impact Because of these false and misleading entries, XXXX XXXX inaccurate TransUnion feed has : Damaged my credit reputation, Misled potential lenders reviewing my file, Failed to protect my data following the breach, and Continued to display incorrect and unverifiable information even after prior disputes.

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