Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17056461
Complaint Overview
Complaint ID: 17056461
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Florida
ZIP Code: 324XX
Date Received: 2025-11-05T12:00:00-05:00
Date Sent to Company: 2025-11-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my credit report and found something that really concerns me. There's an account reporting ( XXXX XXXX, XXXX ) and ( XXXX, XXXX ) and also the hard inquire ( XXXX XXXX XXXX XX/XX/year> ) that I never authorized. I didn't open it, I didn't give permission for it to appear on my file, and I definitely didn't consent to have it reported to any credit bureau. I want to be very clear about this : at no point did I give written authorization, verifiable electronic consent, or any other form of permission for this account to be on my credit file. And its presence there has been causing ongoing damage to my financial stability and my reputation. LEGAL VIOLATIONS : I've researched my rights under the Fair Credit Reporting Act ( FCRA ), and what TransUnion is doing violates several sections of this federal law : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account- and the related hard inquiries - without any documented consent constitutes a direct violation of this section. They're using and disclosing my non-public personal information without authorization. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking Disputed Information : When a consumer submits an identity-theft report to an agency, the credit bureau must block that information within four ( 4 ) business days. I submitted a valid Police Report ( XXXX XXXX. XXXX ) identifying the disputed account and inquiries, yet TransUnion continues to report them, causing ongoing harm and violating this section. 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 valid supporting documentation from either the furnisher or the bureau shows that this legal standard has not been met. PERSONAL IMPACT : This isn't just a technical problem on paper - this is affecting my real life in very concrete ways : I've been denied legitimate credit applications because of this unauthorized account. When I do manage to get approved for something, I'm charged significantly higher interest rates than I should be paying. I was denied an apartment I was trying to rent. It was embarrassing having to explain to the landlord that my credit was bad because of something that isn't even mine. It was stressful looking for another place and facing the same problem over and over. My insurance premiums increased due to credit-based pricing. I'm literally paying more money every month because of something I didn't do. This ongoing situation has caused me real financial pressure. I wake up worried about this. It's frustrating and causes anxiety knowing that I'm being punished for something that violated my rights from the beginning. It affects my daily life in ways it shouldn't.
Frequently Asked Questions
What is Complaint #17056461 about?
Complaint #17056461 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-11-05T12:00:00-05:00.
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.