Consumer complaint received 2026-06-18 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:
I am filing a formal complaint regarding multiple unauthorized hard inquiries that remain on my TransUnion credit report, despite my written disputes submitted to TransUnion. I notified TransUnion that these inquiries were not authorized, and I requested removal. It has now been over XXXX days, and TransUnion has : Failed to provide proof of my authorization Failed to obtain verification from the furnishers Failed to remove the inquiries Failed to complete a lawful reinvestigation These actions violate multiple sections of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate deletion of all unauthorized inquiries listed below. XXXX. Violation of 15 U.S.C. 1681b ( a ) ( 2 ) No permissible purpose Under 15 U.S.C. 1681b ( a ) ( 2 ), a credit bureau may only furnish a credit report if : The consumer has given written instructions or authorization. I never authorized these companies to access my credit report. TransUnion has not provided any proof of my authorization. Therefore, these inquiries are illegal and must be removed. XXXX. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate within XXXX days The FCRA requires TransUnion to : Conduct a reasonable reinvestigation within XXXX days. It has been over XXXX days, and TransUnion has : Not removed the inquiries Not provided verification Not provided proof of authorization Not provided a response from the furnishers This is a direct violation of 1681i ( a ). XXXX. Violation of 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information The companies listed below did not respond to TransUnion with proof of authorization. If a furnisher can not verify an inquiry, they are legally required to have it deleted. Failure to do so violates 1681s2 ( a ) ( 1 ) ( A ). XXXX. Violation of 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy TransUnion must : Follow reasonable procedures to assure maximum possible accuracy. Keeping unverified, unauthorized inquiries on my report is not accurate and violates this section. XXXX. Violation of 15 U.S.C. 1681c2 Right to block unauthorized information Under this law, a consumer may request blocking of : Unauthorized inquiries Fraudulent information Information resulting from identity theft TransUnion failed to block these inquiries even after being notified. XXXX. List of Unauthorized Inquiries ( Names + Account Numbers ) These inquiries were disputed with TransUnion and remain unverified and unauthorized : XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Acct # XXXX XXXX Inquiry ( Date Not Provided ) Acct # XXXX These companies have not provided proof of authorization, and TransUnion has failed to remove the inquiries.

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