Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Complaint : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX XXXX XXXX XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Inquiry Date : XX/XX/XXXX - Scheduled Removal Date : XX/XX/XXXX - Type : Auto Financing Companies - Reporting Bureau : XXXX  I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ).

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately. 
Complaint : XXXX XXXX XXXX XXXX  Regarding XXXX XXXX XXXX  Unauthorized Hard Inquiry by XXXX XXXX XXXX  - Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX  XXXX  on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Reporting Bureau : XXXX  I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ). 

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately. 

Complaint : AUTOMTV CRDT Dear CFPB, I am writing to formally dispute a hard credit inquiry reported by AUTOMTV CRDT on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly.

- Reporting Bureau : XXXX  I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ).

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately. 

Complaint : XXXXDear CFPB, I am writing to formally dispute a hard credit inquiry reported by XXXX on my credit report. This inquiry appeared without my knowledge or consent, and I believe it was obtained or used improperly. 
- Reporting Bureau : XXXX  I respectfully request that the CFPB investigate this matter and that the company be required to provide the following : 1. Proof that I authorized or initiated this credit inquiry.

2. A copy of the application or signed document used to initiate the inquiry.

3. The permissible purpose for the inquiry under the Fair Credit Reporting Act ( FCRA ).

If the company is unable to provide this documentation, I ask that this inquiry be removed from my credit report immediately.

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