Consumer complaint received 2025-05-25 00:00:00
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.
State: TX

Complaint narrative:
My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX / XXXX TRANSUNION XXXX / XXXX XX/XX/XXXX / XXXX TRANSUNION XXXX XX/XX/XXXX / XXXX TRANSUNION XXXXXXXX XXXX XXXX XX/XX/XXXX / XXXX TRANSUNION I understand that verification XXXX occur through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ). However, I would like to emphasize that the use of this system does not replace the obligation for a thorough investigation. The Consumer Financial Protection Bureau ( CFPB ) has highlighted limitations in the EOSCAR system, indicating that its automated processes are insufficient in cases where accuracy depends on the verification of underlying documentation. Therefore, I request a manual review of these unauthorized inquiries and a full verification of the relevant documentation. 
Additionally, I specifically request any original application forms or other initial documents the creditors may have on file. This ensures that only responses based on primary documentation are considered and not merely automated confirmations generated through EOSCAR. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), these inquiries violate the requirements for permissible purpose, verification, and information accuracy. Below, I outline the relevant FCRA provisions that support my request : 1. Section 604 ( 15 U.S.C. 1681b ) - Permissible Purposes for Disclosing Credit Reports The FCRA allows credit reporting agencies to disclose consumer reports only under specific circumstances, such as a legitimate business need or a consumer-initiated transaction. Since I have not authorized these inquiries, I request their deletion as they do not meet the permissible purposes defined by this section.

2. Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) - Handling of Inaccurate or Unverifiable Information This section grants me the right to dispute any inaccurate, incomplete, or unverifiable information in my report. The FCRA requires credit bureaus to delete any unverifiable item promptly. I formally request, under this provision, that these inquiries be removed, as there is no verifiable authorization for them.

3. Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) - Right of Access and Verification of Inquiries This FCRA section mandates that credit reporting agencies verify each inquiry listed on a consumer report, including presenting an original signed contract to prove my consent. Since you can not provide this documentation, I assert my right to have these inquiries removed.

4. Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Information Providers The FCRA requires information providers to ensure the accuracy and authorization of the information reported. These unauthorized inquiries do not meet these requirements, and the responsibility for their accuracy and authorization lies with both the credit bureau and the information providers.

5. Section 605A ( 15 U.S.C. 1681c-1 ) - Protection Against Identity Theft This provision mandates the removal of unauthorized inquiries that could potentially relate to identity theft. I request the deletion of these inquiries under this protection.

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