Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These violations involve TransUnions ongoing failure to properly investigate and remove unauthorized hard inquiries from my credit report. Despite multiple disputes, certified letters, and a prior CFPB complaint, TransUnion has continued to report unverifiable data without meeting the legal requirements under FCRA 604, 609, 611, 616, and 617. 

In XX/XX/XXXX, I discovered XXXX hard inquiries on my TransUnion report that I never authorized. The inquiries were from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not initiate or consent to these inquiries in any formwritten, verbal, or electronic. Under FCRA 604, no party may pull a consumers report without a verifiable permissible purpose.

I exercised my rights under FCRA 611 ( a ) ( 1 ) and submitted a dispute to TransUnion via certified mail. On XX/XX/XXXXXXXX XXXX XXXX  I filed CFPB Complaint XXXX XXXX after TransUnion responded with a generic letter and failed to verify the inquiries. That case was closed prematurely based on TransUnions false assurance that it would investigate. However, they never provided proof of authorization or performed a proper reinvestigation. 

Between XXXX XXXX XXXX XXXXXX/XX/XXXX, I submitted multiple follow-up disputes. On XXXX XXXX XXXXXX/XX/XXXX, I sent a final legal demand letter outlining violations and requesting compliance with FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 7 ), and 611 ( a ) ( 5 ) ( B ). I requested signed applications, the exact permissible purpose claimed, the procedures used to verify the inquiries, and the names of the agents involved. TransUnion again failed to comply. 

Case law such as XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirms that CRAs can not rely solely on furnishers and must independently verify disputed information. TransUnion has not done so. 

As a result of these ongoing FCRA violations, I have experienced credit score harm, financial loss, credit denials, and emotional distress. I am requesting that the CFPB take the following actions : Require immediate deletion of the XXXX disputed hard inquiries Launch a formal regulatory investigation into TransUnions dispute-handling practices Provide monetary compensation under FCRA 616 and 617 for willful noncompliance, including statutory and actual damages I have attached all relevant documentation, including all dispute letters, certified mail receipts, TransUnions responses, and my formal legal notices. I respectfully ask that this complaint not be closed unless the inquiries are fully removed and TransUnion is held accountable.

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 explanation