Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
Original complaint was filed on XX/XX/year> - complaint # XXXX. 

Company ( Transunion ) notified the CFPB that they were working on my complaint and reviewing the information previously provided. 

On XX/XX/year>, Transunion sent me notification, explaining what constitutes an inquiry, provided but did not provide any information pertaining to investigating my legal disputes. They literally refused to comply with Federal Law, and therefore violated my rights.

Transunion in their response to my dispute for inaccuracy ( XXXX ) stated that their " goal is to maintain complete and accurate credit information '' for me. 

I exercised my right under FCRA Section 611 for disputes, and asked Transunion to conduct an investigation which they are legally required to do under the Fair Credit Reporting Act. Transunion did not investigate, even after my original complaint was filed. Instead, Transunion sent me a letter ( attached ) " Explanation of the Inquiries on Your Credit Report '', ignoring my lawful dispute request. 

I asked Transunion on several occasions ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) to investigate unauthorized inquiries appearing on my consumer report and every single one of my requests were ignored. 

I have been a victim of fraud in the past, and was deeply concerned about these inquiries since I did not authorize them. On a number of occasions, I asked Transunion to provide me with all information pertaining to these inquiries and information used to conduct their investigation. I am entitled to this information per FCRA Section 609, which clearly states, " Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : all information in the consumer 's file ... '' Transunion is in violation, because they did not honor my lawful investigation request, nor did they provide disclosure details I asked for, which is required by Federal Law. Transunion, in their response to me, stated that I have to investigate these disputes by " reaching out to the companies who received '' my credit report. 

The Fair Credit Reporting Act does not require me, the consumer, to investigate my disputes. The investigation requirement is for Transunion to do in order to ensure that my credit report is accurate, and to maintain actual documents to justify verification of disputed items. In fact, FCRA Section 611 states that the CRA ( Transunion ) must, " free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' Transunion did not conduct an investigation to determine accuracy and has kept unauthorized fraudulent inquiries on my consumer report.

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