Consumer complaint received 2025-05-16 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: VA

Complaint narrative:
Trans Union LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, IL XXXX RE : Formal Dispute of Unauthorized Credit Inquiry Violation of 15 U.S.C. 1681b Demand for Permanent Removal This letter serves as a formal dispute and demand for deletion of a fraudulent and unauthorized inquiry placed by XXXX XXXX XXXX  on XX/XX/XXXX, as it appears on the Federally Protected Consumer Report of XXXX XXXX ], and is documented under FTC Report No. XXXX. 

You are hereby notified that this inquiry is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, which explicitly outlines the limited, lawful conditions under which a consumer reporting agency may release a consumer report. The FCRA is codified as Public Law 90321, enacted May 29, 1968 ( 82 Stat. 146 ), Section 604 [ 15 U.S.C. 1681b ].

Legal Violation No Permissible Purpose : According to 15 U.S.C. 1681b ( a ), a consumer report may be furnished only under specific lawful circumstances. No contract, application, authorization, or permissible purpose existed to justify the access by XXXX XXXX XXXX. 

We reference the specific statutory language below : ... a consumer reporting agency may furnish a consumer report under the following circumstances and no other...

15 U.S.C. 1681b ( a ) ( 4 ) allows such furnishing only in response to a request from a child support enforcement agency or authorized government official which clearly does not apply here.

We further note that TransUnion previously removed 3 of the 4 disputed inquiries related to this matter, per your own response in connection to FTC Report XXXX. XXXX. 

This confirms acknowledgment of improper inquiry activity. However, the inquiry from XXXX XXXX XXXX  still remains and must be immediately removed to comply with federal law and preserve the integrity of the credit file. 

Formal Demand : We hereby demand that : TransUnion permanently delete the inquiry dated XX/XX/XXXX, by XXXX XXXX XXXX  ; Provide written confirmation of removal within fifteen ( 15 ) calendar days ; Ensure no further unauthorized inquiries are posted to the consumer file ; Provide a complete audit trail of who requested the report, when, and under what certified basis of permissible purpose. 

Notice of Enforcement and Remedy : Failure to act in full compliance will result in our filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of civil claims for damages, under the following FCRA provisions : 1681n Civil liability for willful noncompliance 1681o Civil liability for negligent noncompliance We reserve all rights to pursue statutory damages, actual damages, and injunctive relief under federal law. 


For : XXXX XXXX, Authorized Representative Without Prejudice | All Rights Reserved | UCC 1-308

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