Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Issue Details : Company Name : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX Soft Pull Dates : o XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX o XXXX : XX/XX/XXXX, XX/XX/XXXX Description of the Issue XXXX  has been conducting repeated " soft '' credit inquiries on my credit report without my consent, totaling XXXX unauthorized inquiries over the last year. I have not authorized XXXX  to access my credit report on these occasions, nor have I entered any new agreements or applications that would justify these credit inquiries. These repeated soft pulls not only raise privacy concerns but could impact my ability to obtain credit in the future by influencing credit reporting data indirectly. 
I believe XXXX repeated inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they lack a legitimate purpose or my explicit permission to access my credit report. I am therefore requesting that XXXX cease these unauthorized inquiries, remove any inaccurate or unauthorized records of soft pulls from my credit report, and pay statutory damages for willful FCRA violations XXXX 

Relevant Legal Citations ( XXXX FCRA Violations ) : XXXX. Unauthorized Access to Consumer Report ( FCRA 604 ( a ), 15 U.S. Code 1681b ) o Under FCRA 604 ( a ), any company accessing a consumer 's credit report must have a " permissible purpose. '' Permissible purposes include applications for credit, employment, or insurance, or with explicit consumer consent. Since I did not authorize these inquiries and have no outstanding application with XXXX, this access lacks a permissible purpose.

2. Requirement of Consumer Consent ( FCRA 604 ( a ) ( 2 ), 15 U.S. Code 1681b ( a ) ( 2 ) ) o This section states that a consumers credit report can only be accessed with consumer consent in cases that do not otherwise meet specific permissible purposes. My consent was neither sought nor provided, making these inquiries unauthorized.

3. Improper Use of Consumer Report Information ( FCRA 604 ( f ), 15 U.S. Code 1681b ( f ) ) o Under this provision, a person or entity may not obtain a consumer report without a permissible purpose as defined in the FCRA. XXXX repeated access to my credit report without any permissible purpose constitutes a misuse of my consumer report data. 
XXXX. Request for Statutory Damages for Willful Noncompliance ( FCRA 616, 15 U.S. Code 1681n ( a ) ) o For willful violations of the FCRA, the law provides consumers with a right to statutory damages of up to {$1000.00} per violation. Given the repeated nature of these unauthorized inquiries, I am requesting statutory damages to compensate for these violations and deter further unauthorized inquiries.

5. Requirement to Maintain Maximum Accuracy in Reporting ( FCRA 607 ( b ), 15 U.S. Code 1681e ( b ) ) o Although soft inquiries do not directly affect credit scores, excessive inquiries may indirectly influence credit reporting assessments. The repeated presence of unauthorized inquiries could potentially impact my ability to obtain credit.