Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Last 4 SS : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Re : Formal Demand for Immediate Investigation and Permanent Deletion of Unverifiable, Inaccurate, and Unauthorized Information Under FCRA To Whom It May Concern : This letter serves as a formal and legally binding dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX  XXXX, regarding inaccurate, outdated, and unverifiable information currently appearing on my credit file. I am asserting my rights under XXXX U.S. CXXXX  XXXX, XXXXe ( b ), XXXXb, and XXXXc, and I demand that you permanently delete the disputed items listed below in full compliance with federal law. 
According to XXXX U.S. CXXXX XXXXi ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving a consumers notice of dispute. Furthermore, any item that can not be verified under this provision must be immediately and permanently deleted from my credit report. 

Disputed Items : 1. Hard Inquiry [ XXXX XXXX  XXXX ] on [ XX/XX/XXXX ], [ XXXX ] on XX/XX/XXXX, [ XXXX XXXX ] - on [ XX/XX/XXXX ], [ XXXX XXXX ] on XX/XX/XXXX, and [ XXXX XXXX ] XX/XX/XXXX. These inquiries were made without my explicit written authorization and thus constitutes a violation under XXXX U.S. CXXXX XXXXb ( c ) ( 1 ) ( A ). 
I remind you that under FCRA XXXXb, a hard inquiry requires a permissible purpose and prior consent. Any inquiry appearing on my report without documentation proving my authorization is illegal and must be removed. This is non-negotiable. 
Furthermore, I invoke FCRA XXXXe ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. The presence of these inaccurate and outdated entries clearly violates this obligation. You are now on notice and must remedy this failure without delay. 

Additionally, under FCRA 1681c, negative information such as collections and late payments must be removed after 7 years, and bankruptcies after 10 years. If any item on my credit report violates this statute of limitations, it must be removed immediately. 
My Demands : Provide a full reinvestigation into each disputed item. 
Permanently delete any and all unverifiable, outdated, or inaccurate information. 
Delete all unauthorized hard inquiries not supported by my signed consent. 
Provide written confirmation of the results of your investigation within 30 days, as required by law. 
Provide a new, corrected copy of my credit report. 

Failure to comply with the above demands will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am prepared to pursue all legal remedies available to me, including civil litigation under FCRA XXXXn and XXXXo, which allow for actual damages, statutory damages, punitive damages, and attorneys fees. 
This letter is written in good faith and I expect full compliance under the law. No boilerplate responses or stall tactics will be accepted. You have been officially placed on notice. 
Sincerely, 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 explanation