Consumer complaint received 2025-10-23 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:
I recently reviewed my credit report and found something that really concerns me. Theres an account reporting ( XXXX, Account XXXX : XXXX ) that I never authorized. I didnt open it, I didnt give permission for it to appear on my file, and I definitely didnt consent to have it reported to any credit bureau. 

At no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to exist or be reported. Its presence on my credit file has been causing ongoing harm to my financial stability, credibility, and reputation. 

I also noticed hard inquiries associated with this account that I never approved. These unauthorized inquiries demonstrate that my personal and credit information has been used or accessed without my consent. I have filed a Police Report ( XXXX XXXX. XXXX ) documenting this situation. 

LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates multiple federal provisions designed to protect consumers from exactly this type of unauthorized reporting. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumers credit information can only be accessed or reported for a valid permissible purpose, with the consumers authorization. The inclusion of this account and related hard inquiries without my consent constitutes a direct violation of this section. TransUnion is permitting the reporting and use of my non-public personal information without a lawful purpose. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking of Information Resulting from Identity Theft : When a consumer provides an identity-theft or fraud report, the bureau must block the disputed information within four ( 4 ) business days. I submitted a valid police report ( XXXX ) identifying this unauthorized account and related inquiries. Despite that, TransUnion continues to report them, violating federal timelines and exposing me to ongoing financial harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy : TransUnion has failed to maintain only accurate, verifiable, and complete data as required by federal law. Reporting an unauthorized account that lacks any written or documented proof of consent shows a failure to follow reasonable procedures ensuring the maximum possible accuracy of information. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Duty to Conduct Reasonable Reinvestigation : When a dispute is filed, TransUnion must conduct a reasonable reinvestigation and delete any information it can not verify with documentary evidence. If theres no contract, signed authorization, or verifiable consent from me, the FCRA mandates deletion. Any continued reporting of unverifiable or inaccurate data violates this section. 

Metro 2 Compliance Violations : All information reported by consumer reporting agencies must comply with XXXX Metro 2 standards, which require that data be accurate, complete, consistent, and current. This account fails all of those criteria because : It is inaccurate ( I never authorized it ). 

The inquiries lack a valid permissible purpose. 

There is no documentation supporting its inclusion. 

Under both the FCRA and Metro 2 standards, this information is legally and technically defective and must be deleted. 

Reinsertion Warning FCRA Section 611 ( a ) ( 5 ) ( B ) : If TransUnion deletes the disputed account and later attempts to reinsert it, federal law establishes the following mandatory procedures : The furnisher ( XXXX ) must provide written certification that the information is accurate and legitimate. 

TransUnion must notify me in writing within five ( 5 ) business days of any reinsertion. 

There must be documentary proof that I authorized the account. 

A system verification, automated response, or phone confirmation does not satisfy the law. Any reinsertion without full compliance constitutes a willful violation under 15 U.S.C. 1681n, exposing TransUnion to civil liability and statutory damages. 

PERSONAL IMPACT : This situation is not just a technical or administrative issue it has real financial and emotional consequences. 

I was denied a mortgage because this unauthorized account appeared on my report, and the loan officer cited it as a determining factor. 

I did obtain vehicle financing, but with unreasonably high interest rates, costing me hundreds of dollars more each month. 

Ive been denied a credit card I legitimately applied for, and each attempt results in new hard inquiries, worsening my credit further. 

Ive spent significant time and effortphone calls, document gathering, and legal researchtrying to fix an error I didnt cause. 

This account has lowered my credit score, affected my ability to qualify for fair credit, and caused ongoing stress and XXXX. My financial plans, including housing and business expansion, are on hold because of these inaccuracies. This is exactly the type of harm the FCRA was designed to prevent.

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