Consumer complaint received 2025-11-15 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:
WHAT HAPPENED I recently reviewed my credit report and found something deeply concerning. There are multiple accounts and hard inquiries reporting on my TransUnion file that I never authorized. I did not open them, I did not give permission for them to appear on my file, and I certainly did not consent for them to be reported to any credit bureau. 

The unauthorized accounts appearing on my TransUnion report are : XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX In addition, the following hard inquiries are reporting even though I never gave permission for my credit to be accessed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Let me be absolutely clear : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for these accounts or inquiries to appear on my credit report. Their presence is causing ongoing damage to my financial stability, creditworthiness, and personal reputation. 

LEGAL VIOLATIONS After researching my rights under the Fair Credit Reporting Act ( FCRA ), I have identified several violations by TransUnion, which continue to harm me : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose This section states that a consumer report may only be obtained and used for a lawful permissible purpose, such as a credit application initiated by the consumer, and that users of consumer reports must certify to the credit bureaus that they are accessing the report only for such a permissible purpose. The inclusion of the above-listed accounts and hard inquiries on my TransUnion file, without any documented consent or legitimate underlying application initiated by me, means there is no valid permissible purpose supporting their presence. 

There is no signed application, no written authorization, and no legitimate documentation evidencing my consent or establishing any lawful permissible purpose for these accounts or inquiries. Continuing to report these items in my file, despite the absence of any valid authorization, constitutes a direct violation of Section 604 of the FCRA and of the requirement that my information be accessed and furnished only in compliance with federal law.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Identity-Theft Information When a consumer submits an identity theft report, such as one issued by the Federal Trade Commission ( FTC ) , the credit bureau must block the disputed information within four ( 4 ) business days, unless it can verify that the information is accurate and not the result of identity theft. 

I submitted a valid FTC Identity Theft Report, Report ID : XXXX, which specifically identifies these fraudulent accounts and related inquiries. Despite receiving this FTC report, TransUnion continues to report these unauthorized accounts and inquiries on my file. This failure to block and delete the disputed information within the required timeframe violates Section 605B of the FCRA.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Reporting accounts and inquiries that were never authorized by meand that are not supported by any underlying documentation showing my consentdoes not meet this standard.

Once TransUnion is on notice that specific information is inaccurate, unverified, or lacking a lawful basis ( as it is here, given my dispute and FTC Identity Theft Report ), it is required to take corrective action rather than continue to report the information. Continuing to report these items without proper verification violates the duty to assure maximum possible accuracy. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Reinvestigation Under Section 611, TransUnion is required to conduct a reasonable reinvestigation of any item that a consumer disputes and to delete or modify any information that can not be verified through proper documentation. 

A reasonable investigation in this context necessarily includes obtaining and reviewing concrete evidence that I personally authorized the accounts and inquiries at issuefor example, signed applications, authenticated records, or comparable proof linking me to the transactions. If such proof can not be produced, the FCRA requires that these accounts and inquiries be permanently deleted from my credit file, rather than continued or reinserted in any form. TransUnions continued reporting of these items, despite my dispute and the FTC Identity Theft Report, indicates that a reasonable reinvestigation has not been completed in accordance with Section 611.

Reinsertion Rules FCRA Section 611 ( a ) ( 5 ) ( B ) If any of these accounts or inquiries are deleted and later reinserted, Section 611 ( a ) ( 5 ) ( B ) requires that : The furnisher provide a written certification verifying the accuracy and legitimacy of the information ; TransUnion notify me in writing within five ( 5 ) business days after any reinsertion ; and TransUnion maintain documentary evidence that I personally authorized the account or inquiry.

Failure to comply with these reinsertion requirements constitutes a willful violation under 15 U.S.C. 1681n.

Metro 2 Compliance Under the CDIA Metro 2 standards, all furnished data must be complete, accurate, consistent, and current. The disputed accounts and inquiries listed above fail to meet these standards because : They are inaccurate ( I never authorized them ) ; They lack a valid permissible purpose ; and They are not supported by documentation demonstrating my consent or any legitimate relationship.

Under both the FCRA and Metro 2, this inaccurate and unauthorized information must be permanently removed from my file. 

PERSONAL IMPACT These inaccuracies are not just a simple error on paper ; they have had very real and very negative consequences on my financial life.

My credit score has been significantly and unfairly harmed, which has already led to the denial of a mortgage application that was important for my stability and that of my family. This directly affected my ability to move forward with critical housing plans. 

In addition, I have been forced to accept higher interest rates on an auto loan, paying more than I should be paying if my credit report reflected only truthful and authorized information. This means I am paying extra every month for debt that is more expensive solely because of inaccurate and unauthorized items on my report. 

On top of this, I have had to invest substantial time, effort, and money trying to correct information that I did not create, approve, or authorize at any point. I have had to gather documents, file reports, submit disputes, and follow up repeatedly, all to address accounts and inquiries that never should have been reported in the first place. 

This situation continues to affect me on a daily basis and continues to cause financial harm that is entirely avoidable if the law is followed. It also causes serious emotional distress, anxiety, and ongoing stress for both me and my family, as I wake up every day worried about what these inaccuracies will prevent me from doing next.

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