Consumer complaint received 2024-11-14
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)

I am filing this complaint regarding 143 unauthorized credit inquiries made by XXXX XXXX XXXX XXXX on my credit report within the last 12 months. These inquiries were conducted without my authorization and lacked a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). Specifically, 141 of these inquiries were conducted by XXXX XXXX office located at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, while two additional inquiries were conducted by their office at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX and XX/XX/XXXX. Each inquiry constitutes an unauthorized access to my private credit information and a violation of my consumer rights. I have attached documentation listing all 143 dates of these unauthorized inquiries for reference. 

List of Unauthorized Credit Inquiries by Date : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, consumer reporting agencies and entities such as XXXX  XXXX are subject to stringent rules regarding the access, accuracy, and permissible purposes for which a consumers credit report may be obtained. XXXX XXXX  actions violate multiple FCRA provisions, as follows : XXXX. Unauthorized Access to Credit Reports FCRA 604 ( 15 U.S.C. 1681b ) XXXX XXXX repeated, unauthorized credit pulls violate 604 of the FCRA, which strictly limits the circumstances under which a consumer report may be accessed. According to 604, a permissible purpose must be established before a consumers report is accessed, such as consumer consent or in connection with an application for credit. I did not authorize these inquiries, nor did XXXX XXXX establish any other permissible purpose for accessing my credit report. As case law has demonstrated : In Spokeo, Inc. v. Robins, 578 U.S. 330 ( 2016 ), the Supreme Court upheld that unauthorized access itself constitutes a harm under the FCRA. 
TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ), further clarified that an invasion of privacy and disclosure without consent is a clear FCRA injury, warranting statutory damages. 
XXXX. Willful Noncompliance with FCRA Requirements FCRA 616 ( 15 U.S.C. 1681n ) Under 616 of the FCRA, XXXX XXXX actions demonstrate willful noncompliance with FCRA requirements, warranting statutory damages. Willful violations encompass reckless disregard of statutory requirements and consumer rights, as evidenced by the frequency and nature of these unauthorized inquiries. This lack of compliance with FCRA procedures indicates a systematic failure to follow federal guidelines for consumer report handling and privacy. 
XXXX. Negligent Noncompliance FCRA 617 ( 15 U.S.C. 1681o ) XXXX XXXX  actions also demonstrate negligent noncompliance under 617 of the FCRA, resulting in actual harm to my credit profile and financial standing. Multiple inquiries can adversely affect credit scores, especially when done without authorization. As a result, I have suffered potential harm to my creditworthiness, which could impact future credit applications, insurance rates, and employment opportunities. 
XXXX. Adverse Impact and Consumer Harm FCRA 605 ( 15 U.S.C. 1681c ) Under 605, excessive and unauthorized credit inquiries can be deemed adverse entries on a credit report. XXXX XXXX  repeated inquiries have created a misleading and potentially damaging impression of my credit history, resulting in harm to my credit profile. Unauthorized inquiries create an appearance of increased credit risk and instability, which may result in higher interest rates, reduced credit limits, or outright denial of credit. 
XXXX. Failure to Maintain Accurate Credit Report Data FCRA 611 ( 15 U.S.C. 1681i ) As an entity obtaining my credit report, XXXX XXXX has an obligation to ensure accuracy and fair representation in its reporting activities. XXXX XXXX unauthorized inquiries have resulted in inaccurate and unfair entries on my report, infringing on my rights to fair and accurate representation under 611.