Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Unauthorized Hard Inquiries Statement : " I did not authorize multiple hard inquiries for my vehicle purchase. I only applied for one vehicle loan, which should have resulted in only one or two inquiries. The excessive and unauthorized hard inquiries violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) regulations. '' Case Laws Supporting Unauthorized Hard Inquiries : Dixon-Rollins v. Experian Information Solutions , Inc. , No. 09-0646 ( E.D. Pa. 2010 ) A credit bureau and furnisher were held accountable for failing to remove unauthorized hard inquiries that were not backed by permissible purpose.

Cole v. U.S. Capital , Inc., 389 F.3d 719 ( 7th Cir. 2004 ) The court ruled that a lender must have a legitimate, permissible purpose under the FCRA before accessing a consumer 's credit report.

Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( 9th Cir. 2010 ) A company can not access a consumers credit report unless they meet the permissible purpose criteria under 15 U.S.C. 1681b.

Buchanan v. Northland Group , Inc., 776 F.3d 393 ( 6th Cir. 2015 ) Reinforced that a business must have clear authorization before obtaining a consumers credit report.

UCC Code for Lack of Permissible Purpose : UCC 9-102 & FCRA 1681b ( a ) ( 3 ) A company must have a permissible purpose before initiating a hard inquiry on a consumer 's credit report.

UCC 1-304 A party must act in good faith in dealings, meaning unauthorized credit pulls violate consumer protection laws. 

XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXXI | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. Delete it from my credit Report 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