Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion for numerous inaccuracies, unauthorized inquiries, and incorrect reporting that violate my consumer rights under federal law. I have made multiple good faith efforts to resolve these disputes directly with TransUnion, but they continue to maintain inaccurate and unverifiable data on my consumer report, severely harming my creditworthiness, emotional well-being, and financial opportunities. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Status : Collection Issue : This account is being reported as a collection. I dispute the validity of this debt. I have never received proper verification of the debt from the original creditor or the collection agency. Reporting a debt without validating it violates my rights.

Law : Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] failure to verify disputed account Law : Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) [ 15 U.S.C. 1692g ] failure to provide debt validation upon request Additional Info : Continued reporting without validation is misleading and constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617 Hard Inquiries XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry. TransUnion has failed to provide any proof of permissible purpose as defined under the FCRA. 
Law : FCRA 604 [ 15 U.S.C. 1681b ] no permissible purpose provided Law : FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ] failure to maintain reasonable procedures to ensure inquiries are for permissible purposes only Additional Info : This inquiry has damaged my XXXX XXXX and is a result of negligent data handling XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this inquiry, nor did I have any financial dealings or applications with XXXX XXXX XXXX XXXX. 
Law : FCRA 604 [ 15 U.S.C. 1681b ] lack of permissible purpose Law : FCRA 616 & 617 willful and negligent failure to ensure inquiry was authorized Additional Info : I demand immediate deletion and an internal audit on why this was allowed to be posted XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I have never heard of or conducted any business with XXXX XXXX XXXX XXXX No consent or application was given. 
Law : FCRA 604 ( a ) ( 3 ) no consumer-initiated transaction Law : FCRA 610 ( a ) failure to make file disclosures upon request Additional Info : TransUnion must identify the subscriber who pulled my report and prove permissible purpose XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry was not authorized. There is no application, consent, or record of any transaction that would warrant a hard inquiry. 
Law : FCRA 604 ( a ) lack of permissible purpose Law : FCRA 607 ( b ) failure to ensure accuracy before furnishing consumer report Additional Info : This repeated unauthorized inquiry pattern shows systemic failure to protect consumer data XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not apply for any account with XXXX XXXX or authorize this inquiry. 
Law : FCRA 604 ( a ) ( 3 ) ( A ) inquiry not related to any credit transaction initiated by me Law : FCRA 615 adverse action based on unauthorized data usage Additional Info : This inquiry must be removed immediately and be investigated for potential fraud Incorrect Address Reporting TransUnion continues to report outdated and inaccurate addresses on my file, which I have repeatedly disputed without proper reinvestigation. 
Addresses disputed include ( but are not limited to ) : XXXX XXXX XXXX XXXX XXXX, MI XXXX This is my correct and current address. All others are erroneous and must be deleted Issue : Presence of false addresses causes verification issues with lenders, leads to mixed files, and exposes me to identity theft risks Law : FCRA 607 ( b ) failure to follow reasonable procedures to ensure accuracy Law : FCRA 611 failure to conduct a proper reinvestigation of inaccurate address disputes Additional Info : TransUnion has failed in its duty to maintain accurate records and has thereby materially misrepresented my identity to third parties Summary of Violations TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy under FCRA 607 ( b ), has willfully and negligently failed to properly reinvestigate my disputes per 611, and continues to allow the reporting of unauthorized hard inquiries and unverifiable collection accounts without proper validation, in violation of both FCRA and FDCPA. I request immediate removal of the unauthorized inquiries, deletion of all unverifiable accounts, correction of address records, and full compliance with federal law. I am requesting regulatory enforcement by the CFPB for these ongoing violations and willful negligence by TransUnion.

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