Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute to TransUnion and Experian regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I did not provide any written or verbal consent allowing these companies to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604, a hard inquiry may only be made with the consumer 's explicit authorization or for a legitimate permissible purpose. I specifically requested that the credit bureaus either : Provide documentation proving that I authorized each of the inquiries in question ; or Remove the inquiries if no such authorization could be verified.

To date, none of the credit bureaus have provided documentation showing that I granted permission for these inquiries. Furthermore, the inquiries remain on my credit reports, despite being unauthorized and disputed in writing.

This failure to investigate properly and the continued reporting of unverifiable information is a violation of the FCRA, which mandates that disputed information be either verified or deleted within 30 days.

I am requesting the immediate removal of these unauthorized inquiries and that the bureaus provide documentation verifying any that they claim are valid. I also request that this matter be formally investigated, as this inaction is negatively impacting my credit profile.

1. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. I did not Authorize this Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. I did not Authorize this Inquiry XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. I did not Authorize this Inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did not Authorize this Inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8.I did not Authorize this Inquiry XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.I did not Authorize this Inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. I did not Authorize this Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 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 non-monetary relief