Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
# DEMAND FOR REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES # # NOTICE OF FAIR CREDIT REPORTING ACT VIOLATIONS TransUnion ( XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX * * RE : * * Demand for Immediate Removal of Unauthorized Credit Inquiries -- - # # I. LEGAL STANDING AND CONSUMER RIGHTS Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I hereby demand the immediate investigation and removal of unauthorized credit inquiries from my credit file. This demand is made under the following legal authorities : - * * 15 U.S.C. 1681i * * - Procedures following receipt of notices of dispute - * * 15 U.S.C. 1681e ( b ) * * - Requirement for maximum possible accuracy- * * 15 U.S.C. 1681c ( g ) * * - Inquiry reporting limitations- * * 15 U.S.C. 1681n * * - Civil liability for willful noncompliance- * * 15 U.S.C. 1681o * * - Civil liability for negligent noncompliance # # XXXX. DISPUTED UNAUTHORIZED INQUIRIES I dispute the following credit inquiries as unauthorized, inaccurate, and/or improperly reported : # # # A. UNAUTHORIZED HARD INQUIRIES REQUIRING IMMEDIATE REMOVAL : XXXX. * * XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * Search XXXX XXXX * * - No authorization provided XXXX. * * XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * ( Multiple entries ) - Excessive inquiries without authorization XXXX. * * XXXX  * * - Unknown entity, no authorization XXXX. * * XXXX XXXXXXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX Bank * * ( XXXX entries ) - Duplicate/unauthorized inquiries XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX * * - No authorization provided XXXX. * XXXX XXXX XXXX  * - No authorization provided XXXX. * * XXXX * * - Unknown entity, no authorization XXXX. * * XXXX XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * ( XXXX entries ) - Duplicate/unauthorized inquiries XXXX. * * XXXX * * ( XXXX entries ) - Duplicate/unauthorized inquiries XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * - No authorization provided XXXX. * * XXXX XXXX * * - Unknown individual, no authorization XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * ( XXXX entries ) - Duplicate/unauthorized inquiries XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX XXXX * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * XXXX  * * - No authorization provided XXXX. * * XXXX XXXX * * - No authorization provided XXXX. * * Personify * * - No authorization provided XXXX. * * XXXX XXXX * * ( XXXX entries ) - Insurance inquiries improperly reported as credit inquiries # # # B. IMPROPERLY REPORTED SOFT INQUIRIES AS HARD INQUIRIES : XXXX. * * XXXX XXXX via XXXX * * - Credit monitoring, should be soft inquiry XXXX. * * XXXX XXXX via XXXX - XXXX * * - Credit monitoring, should be soft inquiry XXXX. * * XXXX XXXX XXXX XXXX XXXX * - Credit monitoring, should be soft inquiry XXXX. * * XXXX XXXX via XXXX * * ( XXXX entries ) - XXXX XXXX XXXX XXXX  * * XXXX XXXX via XXXX XXXX XXXX XXXX * * ( XXXX entries ) - XXXX XXXX XXXX  XXXX. * * XXXX XXXX via Transunion XXXX * * ( Multiple entries ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * - XXXX XXXX XXXX XXXX. * * XXXX XXXX via XXXX XXXX XXXX  * * - XXXX XXXX XXXX XXXX. * * XXXX XXXX via XXXX - XXXX Disputes * * - XXXX XXXX XXXX  XXXX. * * XXXX XXXX via XXXX * * - Identity monitoring service XXXX. * * XXXX via XXXX XXXX * * - XXXX XXXX XXXX  XXXX. * * Transunion XXXX XXXX * * - XXXX XXXX XXXX  XXXX. * * XXXX XXXX XXXX * * - XXXX XXXX XXXX, should be soft inquiry XXXX. * * XXXX via XXXX XXXX * * - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * Transunion XXXX * * ( XXXX entries ) - 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 CODED INQUIRIES REQUIRING VERIFICATION : XXXX. * * XXXX via XXXX * * - Unknown coded inquiry XXXX. * * XXXX via XXXX * * - Unknown coded inquiry XXXX. * * XXXX via XXXX * * - Unknown coded inquiry XXXX. * * XXXX via XXXX * * - Unknown coded inquiry XXXX. * * XXXX via XXXX * * - Unknown coded inquiry XXXX. * * XXXX XXXX XXXX * * - Unknown coded inquiry XXXX. * * XXXX XXXX XXXX XXXX XXXXXXXX * * - Unknown coded inquiry # # XXXX. LEGAL VIOLATIONS AND GROUNDS FOR REMOVAL # # # A. FCRA SECTION 1681e ( b ) VIOLATIONS - MAXIMUM POSSIBLE ACCURACY : - Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy - Reporting unauthorized inquiries violates accuracy requirements- Failure to verify inquiry authorization before reporting # # # XXXX FCRA SECTION 1681i VIOLATIONS - DISPUTE PROCEDURES : - Consumer has right to dispute inaccurate information - Credit bureaus must conduct reasonable investigation within 30 days - Must delete information that can not be verified as accurate # # # XXXX FCRA SECTION 1681c ( g ) VIOLATIONS - INQUIRY REPORTING : - Hard inquiries can only be reported for 2 years - Soft inquiries should not appear on credit reports provided to third parties - Credit monitoring services should not generate hard inquiries # # # XXXX PERMISSIBLE PURPOSE VIOLATIONS : - Many inquiries lack permissible purpose under FCRA XXXX XXXX - No legitimate business need for inquiry - Consumer did not initiate credit application # # IV. XXXX XXXX XXXX * * IMMEDIATE ACTIONS REQUIRED : * * XXXX. * * REMOVE ALL DISPUTED INQUIRIES * * listed above within 30 days of receipt of this notice XXXX. * * CONDUCT THOROUGH INVESTIGATION * * of each disputed inquiry XXXX. * * VERIFY CONSUMER AUTHORIZATION * * for each inquiry with original creditor XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of all deletions made XXXX. * * FURNISH UPDATED CREDIT REPORT * * reflecting all removals XXXX. * * NOTIFY ALL PARTIES * * who received credit reports containing disputed inquiries within past 6 months # # V. CONSEQUENCES OF NON-COMPLIANCE Failure to comply with this demand within 30 days will result in : XXXX. * * FCRA Section 1681n Civil Liability * * - Willful noncompliance damages XXXX. * * FCRA Section 1681o Civil Liability * * - Negligent noncompliance damages XXXX. * * Statutory Damages * * up to {$1000.00} per violation XXXX. * * Actual Damages * * including XXXX XXXX impact and loan denials XXXX. * * Punitive Damages * * for willful violations XXXX. * * Attorney Fees and Costs * * under FCRA Section 1681o ( a ) ( 3 ) XXXX. * * XXXX XXXX XXXX * * for FCRA violations # # VI. PRESERVATION OF RECORDS NOTICE You are hereby notified to preserve all records, documents, and communications related to the disputed inquiries, including : - Original inquiry requests and authorizations - Internal investigation records- Communications with data furnishers - Policies and procedures for inquiry verification # # XXXX. CONCLUSION AND DEMAND The above-listed inquiries are inaccurate, unauthorized, and violate the FCRA. I demand their immediate removal and full compliance with federal law. Your prompt attention to this matter will avoid the necessity of federal litigation. 

This demand is made in good faith and with full knowledge of my rights under federal law. I reserve all rights and remedies available under the FCRA and other applicable consumer protection statutes. 

* * RESPONSE REQUIRED WITHIN 30 DAYS * * * * ENCLOSURES : * * - Copy of Credit Report - Copy of Driver 's License - Proof of Address - Documentation of Identity Theft ( if applicable ) -

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