Consumer complaint received 2025-02-04 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: AL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to remove multiple unauthorized hard inquiries from my credit report, despite my previous dispute request. Both XXXX and XXXX have already investigated and removed these inquiries, but TransUnion refuses to do so, causing inaccurate and unfair reporting. 

I have attempted to resolve this issue directly with TransUnion, submitting my dispute with proper supporting documentation, including a copy of my ID and proof of address. However, despite providing no proof of my authorization, TransUnion has failed to correct the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Timeline of My Attempts to Resolve the Issue First Dispute Sent : XX/XX/XXXX I submitted a formal dispute to TransUnion via mail and phone, requesting the removal of unauthorized inquiries. 
I attached a copy of my credit report, highlighting the disputed inquiries, along with my ID and proof of address. 
Response from TransUnion : This items are accurate TransUnion failed to remove the inquiries, claiming they were valid without providing any proof of my authorization. 
Second Dispute Sent : XX/XX/XXXX I sent a second dispute request, again asking for verification or removal. 
XXXX and XXXX both deleted these inquiries, but TransUnion continues to report them. 
Current Status : These unauthorized inquiries remain on my TransUnion report, negatively impacting my XXXX XXXX and violating FCRA laws. 

XXXX. Unauthorized Hard Inquiries Listed Below ( For Removal ) Despite my previous dispute, TransUnion has failed to remove the following inquiries : XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XXXX XXXX, XXXX XXXX. XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. FCRA Violations by TransUnion FCRA 1681b No Permissible Purpose : I never authorized these inquiries, nor did I apply for credit with these companies. 
XXXX and XXXX both removed the inquiries, proving XXXX failure to maintain accuracy. 
FCRA 1681i Failure to Reinvestigate & Correct Inaccurate Information : I provided evidence that these inquiries were unauthorized, yet TransUnion failed to conduct a proper reinvestigation. 
FCRA 1681e ( b ) Inconsistent Credit Reporting Across Bureaus : Credit reports must be consistent across all major bureaus unless proven otherwise. 
Since XXXX and XXXX removed the inquiries, TransUnion is reporting inaccurate and misleading information, damaging my credit profile.

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 non-monetary relief