Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report with TransUnion. I am a victim of identity theft and am requesting immediate investigation and enforcement under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. 

Background : Upon recent review of my credit report, I discovered several hard inquiries made by institutions and entities with which I have no prior or current relationship. These inquiries were not authorized by me and appear to be a direct result of identity theft. 

Identity Theft Documentation : In accordance with 15 U.S.C. 1681c-2, I have submitted an identity theft report, which includes formal documentation such as an FTC Identity Theft Report or police report. As stipulated by law, the credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving this documentation. 

Legal Violations : The following provisions of the FCRA have been violated in connection with the unauthorized inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must only occur with the consumers authorization or for a legitimate business reason. These inquiries were made without my knowledge, consent, or any permissible purpose. 

15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I placed a fraud alert on my credit file, obligating any potential creditor to verify my identity before proceeding. These inquiries indicate a failure to follow reasonable identity verification procedures. 

15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft : The credit bureau has failed to block or investigate the unauthorized inquiries, even after receiving my identity theft report. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate : TransUnion is required to conduct a reasonable reinvestigation upon notification of a dispute, which has not occurred in this case. 

Unauthorized Credit Inquiries TransUnion : I am formally disputing and requesting the immediate removal of the following unauthorized hard inquiries from my TransUnion credit report : 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 These inquiries are illegitimate and have negatively affected my credit profile. They were made without my consent and are a result of fraudulent activity. I demand that they be removed immediately under federal law. 

Resolution Requested : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I respectfully demand that the CFPB investigate this matter and require TransUnion to : Immediately delete the unauthorized inquiries listed above from my credit report. 

Provide confirmation in writing of the removal. 

Ensure compliance with all FCRA requirements related to identity theft and permissible purpose for credit inquiries. 

Failure to comply with these statutory obligations not only violates federal law but also continues to harm me as a consumer. I request swift enforcement action to prevent further damage. 

Thank you for your attention to this urgent matter. I am prepared to provide supporting documentation upon request.

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