Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains two accounts ( XXXX, XXXX ) and ( XX/XX/XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

Additionally, my report shows an unauthorized hard inquiry ( XX/XX/XXXXXX/XX/2024 ) that I never approved or authorized. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing these accounts or inquiries to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. 
A consumers credit file may only contain information obtained for a permissible purpose, which requires the XXXX XXXX consent. The inclusion of these accounts and the related hard inquiry in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer furnishes a police report identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report ( Report Number : XXXX ) clearly identifying the disputed items. Despite this, TransUnion continues to report these unauthorized accounts and inquiry, causing ongoing harm and violating this federal requirement. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
TransUnion has failed to maintain only accurate, verifiable, and complete information. The absence of verifiable documentation from the furnishers ( XXXX and XXXXXX/XX/XXXX) demonstrates that this legal standard has not been met, and the data currently being reported can not be lawfully verified. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Reinvestigation duty. 
Upon dispute, the CRA must conduct a reasonable reinvestigation and delete any item that can not be verified with proper authorization. TransUnion has failed to comply with this duty by retaining unverified, unauthorized information despite formal dispute and supporting documentation. 

FCRA Section 1681a ( 4 ) Protection of non-public personal information. 
Consumers have the right to protection of their non-public personal information. Maintaining unauthorized accounts or inquiries in my file without consent is an improper intrusion that exposes my private financial data and reputation to unwarranted harm. 

METRO 2 NON-COMPLIANCE : Per CDIA/Metro 2 guidelines, all furnished data must be complete, accurate, consistent, and current. 

In this case : The identified accounts are unauthorized and inaccurate, failing Metro 2 accuracy requirements. 

The hard inquiry (XX/XX/XXXXXX/XX/2024 ) lacks a valid permissible purpose, violating mandatory Metro 2 fields.

The absence of verifiable documentation violates data-integrity obligations under Metro 2 . 

Therefore, these items are inherently inaccurate under both the FCRA and Metro 2, reinforcing my right to immediate deletion.

REINSERTION REQUIREMENTS FCRA 611 ( a ) ( 5 ) ( B ) : If there is any attempt to reinsert previously deleted information, strict compliance is required : Written certification from the furnisher verifying the accuracy and legitimacy of the item.

Written notice to me within five ( 5 ) business days, including the supporting documentation received. 

Objective documentary evidence substantiating authorization and legitimacy. 

Phone calls, generic verifications, or good-faith confirmations are not sufficient. Any reinsertion without full compliance will be treated as a willful violation subject to statutory and compensatory damages and attorneys fees under 15 U.S.C. 1681n.

PERSONAL IMPACT : These unauthorized items are not a clerical oversight. They have : Lowered my credit score.

Caused denials of legitimate credit applications. 

Increased my financing costs. 

Generated improper inquiries that further damage my profile. 

Resulted in loss of time, stress, and emotional distress while correcting information that should never have been reported.

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