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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate, unverified, and potentially fraudulent information being reported on my TransUnion credit report. I am requesting a full reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] and deletion of all unverifiable and unauthorized items listed below. 



XXXX. XXXX XXXX ( XXXX Bank ) Account Opened XX/XX/XXXX This account is reported as charged off and placed in collections. However, according to federal reporting standards ( OCC and FCRA ), an account can not be charged off unless it has been delinquent for at least 150180 days. The data currently reported does not align with this timeline and is therefore factually and procedurally inaccurate. 

Additionally, the remarks section indicates Dispute resolved reported by grantor without any documentation supporting how this determination was made. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to obtain all documentation used in the reinvestigation process. Please provide all communications, verification records, and documentation used to validate this account. If this information can not be verified with original source documents, the account must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

2. U.S. Department of Education Account Opened XX/XX/XXXX This account is listed as open and in collections, which is inconsistent with my own records and federal education loan reporting standards. I request full verification and supporting documentation, including the original account agreement, payment history, and communications from the furnisher that prove its accuracy and ownership. 

If TransUnion can not verify the account directly with the original documentation from the U.S. Department of Education, it must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

3. Unauthorized Hard Inquiries Based on my TransUnion report dated XX/XX/XXXX, the following inquiries were not authorized by me and must be removed under FCRA 604 ( a ) ( 2 ) and 605 ( a ) as they were made without permissible purpose. 

Unauthorized Inquiries to be Deleted : XXXXXXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX ( The only valid inquiry listed is from XXXX ( Bank ) XX/XX/XXXX. ) These inquiries were not initiated or authorized by me, and I have no existing accounts or applications with the companies listed above. 



4. Data Breach Notification Additionally, I am a victim of the XXXX TransUnion data breach, which exposed consumer information and increased the risk of identity theft and unauthorized access to my credit file. As such, these inquiries and inaccuracies may be directly related to this breach. Given this, I request that TransUnion conduct an elevated security review of my file and remove all unverifiable information immediately to prevent further harm.

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