Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB Complaint Against TransUnion : Removal of Inaccurate Personal Statement, Fraud Alert, and Unverified Accounts Nature of the Complaint TransUnion has placed a personal statement and fraud alert on my credit file without my consent. I did not request these additions, and they are inaccurate and derogatory. Additionally, TransUnion continues to report multiple accounts and hard inquiries without providing proof of contracts or wet-ink signatures, despite disputes. 

These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable CFPB and FTC regulations.

Specific Items for Removal and Requests On XX/XX/year>, I disputed inaccurate information with TransUnion. Listed below are the accounts I have no contracts with, and I request immediate removal XXXX XXXX  : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Requesting the * * source of verification, copy of the signed contract, and forward flow agreements. 

XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, Account ending in XXXX Requesting source of verification, signed wet-ink application, and chain of custody. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, Account ending in XXXX Requesting source of verification, signed wet-ink application, forward flow agreements, and chain of assignment. 

Additionally, I demand the removal of all hard inquiries associated with these accounts, as I did not authorize these inquiries, and they violate my rights under FCRA 15 U.S.C. 1681b ( c ) and 1681b ( f ).

Legal Basis Supporting Removal FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires removal/blocking of information resulting from identity theft within XXXX business days of receipt of an identity theft report.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation of disputed information and removal of unverifiable or fraudulent information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires accurate reporting ; unverifiable or inaccurate information must be removed promptly.

FCRA 604 ( a ) ( 3 ) and 615 ( a ) ( 15 U.S.C. 1681b, 1681m ) : Prohibits unauthorized pulls and requires notice of adverse actions.

FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) : Entitles consumers to all information in their file, including the sources of information and verification data.

15 U.S.C. 1681d-3 : Prohibits consumer reporting agencies from furnishing public record data unless verified for accuracy within 30 days of reporting.

Harms Experienced Due to TransUnion 's actions, I have suffered : Denial of housing, bank accounts, and business opportunities. 
Damage to my credit reputation and emotional distress. 
Financial losses due to increased interest rates and application denials. 

Requested Resolution : Immediately and permanently remove the personal statement and fraud alert placed on my credit file without my consent. 
Delete the XXXX XXXX XXXX, and XXXX XXXX XXXX accounts from my credit report. 
Provide a copy of the original, unmarred, wet-ink signed applications for each account or remove these accounts for lack of verification. 
Remove all hard inquiries associated with these accounts. 
Mail an updated copy of my corrected credit report reflecting these changes. 
Provide the source of verification, forward flow agreements, chain of assignments, and proof of ownership for each disputed account. 
Notify all users who accessed my credit file within the past XXXX months of these corrections per FCRA 611 ( d ). 



Notice of Intent to Sue If TransUnion fails to comply promptly, I intend to file a lawsuit in federal court for willful and negligent violations of the FCRA, seeking : Maximum statutory damages. 
Actual damages for emotional distress and financial harm.

Attorneys fees and costs.

All additional relief permitted under federal law. 


Closing TransUnion has an obligation to protect my rights under federal law and correct these inaccuracies immediately. I request the CFPB to enforce these rights and oversee this correction process for consumer protection and accountability. 

Respectfully, 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