Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Formal Demand for Resolution Under Federal Law To : TransUnion LLC From : XXXX XXXX XXXX Date : [ Insert Date ] Subject : Immediate Removal of Unauthorized Hard Inquiries, Compliance with Federal Law, and Compensation for Willful Noncompliance and Consumer Harm I. LEGAL FOUNDATION AND NOTICE OF CLAIM This formal notice is issued under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Title 18 U.S.C. 1028, 1343, and 242, relating to consumer protection, identity fraud, credit file misuse, and deprivation of rights under color of law. It is also grounded in Supreme Court precedents such as XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

TransUnion, as a consumer reporting agency, is required by law to ensure : Maximum possible accuracy of consumer reports ( 1681e ( b ) ) ; No furnishing or reporting of information without permissible purpose ( 1681b ) ; Immediate and complete investigation upon dispute ( 1681i ) ; Proper protection when a fraud alert is placed, requiring enhanced verification and blocking of suspicious or unverifiable data ( 1681c-1 ).

II. FACTUAL SUMMARY AND VIOLATIONS You are hereby placed on notice of the following : XXXX. Unauthorized Hard Inquiries As of your XX/XX/XXXX TransUnion report, you continue to report unauthorized hard inquiries from multiple entities, including but not limited to : XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) These inquiries were made without any signed authorization, permissible purpose, or linked tradeline activity. I have not initiated or applied for credit with these institutions, nor have I executed any document permitting such access. 

2. Active Fraud Alert in Place On file with TransUnion and the other major bureaus is a valid and previously submitted fraud alert, placing you on legal notice of potential identity theft and requiring stringent verification before allowing access to my report.

Despite this legal alert, you allowed multiple unauthorized entities to access my file. This is a flagrant breach of your obligations under 1681c-1 ( h ) and 1681b ( 3 ).

3. Failure to Remove Upon Dispute I have submitted formal dispute ( s ) along with valid government-issued ID, social security verification , utility bills, and affidavits affirming that : These inquiries were not authorized. 
No application was submitted. 
My file is under identity theft review. 

TransUnion has refused or ignored these disputes, failing to provide any investigation results, contracts bearing my signature, or verification of a lawful request. This constitutes willful noncompliance and gross negligence.

III. DEMAND FOR RESOLUTION Pursuant to federal law, I now demand the following : 1. Immediate and permanent removal of all unauthorized hard inquiries not supported by : A valid and signed application, A permissible purpose, and Verified matching identity data.

2. Full investigative disclosure under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), including : The names and contact details of the furnishers, The nature of the verification process, Copies of any documents TransUnion used to validate or sustain the inquiries.

3. Written certification within 10 business days that these items have been removed and no further unlawful inquiries will be permitted without express, documented consent. 



IV. COMPENSATION FOR DAMAGES In accordance with 15 U.S.C. 1681n and 1681o, and relevant precedents, I demand the following compensation : Category Amount Statutory Damages ( 6+ items ) {$6000.00} Actual Damages ( credit harm, emotional distress, business delays ) {$25000.00} Punitive Damages ( willful violation, failure to act despite fraud alert ) {$50000.00} Legal Fees ( estimated ) {$5000.00} Total Due {$86000.00} V. NOTICE OF INTENT TO PURSUE FURTHER ACTION Should TransUnion fail to comply with the above within 10 business days, I will proceed with : Filing suit in U.S. District Court under the FCRA and FDCPA ; Submitting formal complaints to : CFPB FTC State Attorney Generals Office Seeking injunctive relief and additional punitive damages. 



Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA 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