Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX SSN : XXXX XXXX XXXX [ Name of Credit Bureau : TransUnion RE : Demand for Immediate Removal of Unauthorized Inquiry ( ies ) To Whom It May Concern : I am writing to formally dispute and demand the immediate removal of unauthorized and/or inaccurate inquiries listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
The inquiries at issue are as follows : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX As you are aware, under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under certain permissible purposes, including ( but not limited to ) where the consumer has provided authorization, or in connection with a credit transaction initiated by the consumer.

I did not authorize or initiate any transaction that would have provided a permissible purpose for this inquiry. The reporting of this inquiry without a valid permissible purpose represents a violation of 15 U.S.C. 1681b ( f ), which states : " A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. '' Additionally, under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this dispute and delete or correct inaccurate or unverifiable information within 30 days. 
Relevant Legal Precedent Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that accessing a consumers credit report without a permissible purpose under the FCRA is a violation and can expose the party to liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to ensure the accuracy of consumer reports can result in damages under the FCRA. 
My Formal Demand I hereby demand that you : Immediately delete the unauthorized inquiry ( ies ) listed above from my credit file. 
Provide written confirmation of the deletion within 30 days of your receipt of this letter. 
Consequences of Non-Compliance Should you fail to comply, I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Pursue legal action under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), seeking actual damages, statutory damages, punitive damages where appropriate, attorneys fees, and court costs. 
Please consider this your final notice, and I look forward to your prompt compliance. 
Sincerely, XXXX 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