Consumer complaint received 2025-08-22 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: NV

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose for inquiries Issue : This hard inquiry was placed without my authorization or consent Story : I did not apply for any new loans or services with the Department of Education on this date. This inquiry was placed improperly and lowers my score. I have already disputed this once, and your failure to remove it the first time is causing continued harm to my creditworthiness and violates the FCRA Instruction : Remove this inquiry from my file XXXX XXXX XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires permissible purpose for inquiries Issue : Another unauthorized inquiry by XXXX XXXX XXXX on this date that I did not approve Story : I never initiated any request that would justify this inquiry. Multiple unauthorized inquiries from the same institution show clear inaccuracy and negligence. Your refusal to address this in my first dispute shows that you are failing to properly reinvestigate and delete unverifiable information Instruction : Remove this inquiry from my file XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires inquiries only be made with consumer authorization Issue : This inquiry is not tied to any application I submitted Story : I have not done business with XXXX XXXX and never applied for credit through them on this date. This is a false and unauthorized inquiry that is dragging down my credit file. Since you already failed to remove it in my first dispute, it shows willful disregard for accuracy standards Instruction : Remove this inquiry from my file XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 2 ) requires inquiries only with permissible purpose Issue : This inquiry is unauthorized and was not approved by me Story : I did not seek credit or loans with XXXXXXXX XXXX on this date. This is an inaccurate and damaging inquiry that must be removed. Your refusal to correct it after my first dispute demonstrates a clear pattern of ignoring the accuracy requirements under the FCRA Instruction : Remove this inquiry from my file I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

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 explanation