Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : SECOND NOTICE FORMAL DISPUTE OF UNAUTHORIZED HARD INQUIRIES & FCRA VIOLATIONS FTC Identity Theft Report # : XXXX To Whom It XXXX Concern, This letter serves as my second formal dispute regarding unauthorized hard inquiries appearing on my consumer reports. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable, good-faith reinvestigation of all disputed information. My previous dispute did not result in proper corrective action, and I am demanding full compliance in this second submission. 

The following inquiries were not authorized by me and were made without permissible purpose, in direct violation of XXXX XXXX. XXXX ( f ). 



DISPUTED INQUIRIES TRANSUNION 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  I did not authorize these entities to access my credit reports, nor have I entered into any agreements that would provide them permissible purpose under the FCRA. Each inquiry is unlawful and must be removed immediately. 



LEGAL BASIS FOR DELETION 1. FCRA 604 ( 15 U.S.C. 1681b ) A CRA may only furnish a consumer report for a permissible purpose. These furnishers had none. Any inquiry lacking explicit authorization constitutes an FCRA violation. 

2. FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable reinvestigation. Verifying inquiries without providing documented proof of authorization is a violation.

3. FCRA 616 Civil Liability for Willful Noncompliance Knowingly reporting false information after being notified creates liability for statutory, actual, and punitive damages.

4. FCRA 617 Civil Liability for Negligent Noncompliance SUPPORTING CASE LAW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A CRA can not rely solely on the furnisher ; it must conduct an independent, reasonable investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to conduct a meaningful reinvestigation violates the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRAs are liable when they fail to ensure the accuracy and lawful purpose of information they publish. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized inquiries must be removed when no proof of permissible purpose is provided. 

These rulings fully support my demand for removal. 
ACTION DEMANDED I demand the following under federal law : 1. Immediate deletion of all unauthorized inquiries listed above.

2. A full description of your reinvestigation, including copies of any documentation allegedly proving permissible purpose.

3. A corrected consumer report mailed to me after all deletions are completed.

4. Completion of the reinvestigation within 30 days, pursuant to FCRA 611. 

Failure to correct this issue may result in legal action for damages under FCRA 616617. 

My FTC Identity Theft Report ( # XXXX ) is attached as supporting evidence. 

This is your second notice, and your agency is now formally on record. 



Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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