Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14608005
Complaint Overview
Complaint ID: 14608005
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33196
Date Received: 2025-07-11T12:00:00-05:00
Date Sent to Company: 2025-07-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the reporting of the following collection account and the associated unauthorized hard credit inquiries appearing on my TransUnion credit report. I never authorized the sharing of my non-public personal information with XXXX, nor did I receive any legally required notice or validation of debt linking me to the following account. Account to Be Deleted Furnisher : XXXX ( Factoring Company ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$6000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Collection / Chargeoff Derogatory Creditor Remarks : Placed for collection Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Dispute Status : Not disputed Reporting Bureau : TransUnion only This tradeline is inaccurate, unverifiable, and violates my rights under the Fair Credit Reporting Act ( FCRA ). Unauthorized Hard Inquiries to Be Removed ( TransUnion 11 inquiries ) In addition, I demand the removal of the following unauthorized hard inquiries from my TransUnion credit report. I did not authorize any of these entities to access my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my knowledge or permission and must be removed immediately. Legal Grounds for Dispute The inclusion of the above account and inquiries violates multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681b Prohibits obtaining or using a consumer report without a permissible purpose. 15 U.S.C. 1681e ( b ) Requires CRAs to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681g & 1681i Gives consumers the right to full disclosure and reinvestigation of disputed items. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate. 15 U.S.C. 1681c-2 ( a ) Requires blocking of information resulting from identity theft or unauthorized use within four business days. Requested Resolution I formally request the following : Delete the XXXX tradeline from my TransUnion credit report and all derogatory remarks attached to it. Delete the eleven ( 11 ) unauthorized hard inquiries listed above from my TransUnion credit report. Send me written confirmation within 10 business days that these items have been removed. Notice of Intended Action If this matter is not resolved promptly and in full compliance with federal law, I will pursue the following : Legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) ; Formal complaints to the Federal Trade Commission ( FTC ), and State Attorney Generals Office ; Civil claims for defamation, emotional distress, and financial harm. This letter serves as formal notice under the FCRA. I expect timely resolution and full legal compliance.
Frequently Asked Questions
What is Complaint #14608005 about?
Complaint #14608005 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-11T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.