Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against multiple unauthorized and unlawful credit inquiries reported on my consumer credit file. These hard inquiries were conducted without my knowledge, consent, or permissible purpose, directly violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( Section 604 ).

Despite not initiating any application or transaction with these companies, the following inquiries have been recorded and are damaging my credit profile, reputation, and peace of mind : List of Disputed Inquiries : XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX Unauthorized Hard Inquiry Violation : FCRA 604 ( a ) ( 3 ) ; No permissible purpose was granted for accessing my credit. 
XXXX. XXXX  XX/XX/XXXX Unrecognized Inquiry Violation : FCRA 604 ( a ) ( 3 ) ( A ) ; No credit transaction or application authorized. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Duplicate Inquiry with No Authorization Violation : FCRA 604 ( a ) ; Unlawful access without written consent. 
XXXX. XXXX XXXXXX/XX/XXXX Redundant and Unauthorized Violation : FCRA 604 ( b ) ; No permissible reason nor consent documented. 
XXXX. XXXX XX/XX/XXXX Unauthorized Inquiry Violation : FCRA 604 ( a ) ; I did not apply for any product or service. 
XXXX. XXXX XX/XX/XXXX Unauthorized Inquiry Without a Transaction Violation : FCRA 604 ( a ) ( 2 ) ; No initiated loan or lease process. 
XXXX. XXXXXXXX XXXX XXXX XX/XX/XXXX Duplicate Unauthorized Pull Violation : FCRA 604 ( a ) ; Duplicate access by same entity abuse of access. 
XXXX. XXXX  XX/XX/XXXX No Permissible Purpose Violation : FCRA 604 ( a ) ; No initiated business relationship. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Repeated Violation Violation : FCRA 604 ( a ) ( 3 ) ( A ) ; No legal reason for accessing my file. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Unauthorized Pull Again Violation : FCRA 604 ( a ) ; Repetitive and unauthorized behavior. 
XXXX. XXXX XX/XX/XXXX No Consent for Credit Access Violation : FCRA 604 ( b ) ( 2 ) ; Credit was not applied for or authorized. 
XXXXXXXX XXXX XXXX  XX/XX/XXXX Unrecognized Mortgage-Related Inquiry Violation : FCRA 604 ( a ) ; I did not initiate a mortgage application. 
XXXX. XXXX XX/XX/XXXX Unauthorized Credit Pull Violation : FCRA 604 ; No prior authorization, no transaction. 
XXXX. XXXX XX/XX/XXXX Redundant Inquiry Violation : FCRA 604 ; Multiple inquiries without purpose. 
XXXX. XXXX  XX/XX/XXXX Unauthorized Store Card Inquiry Violation : FCRA 604 ( a ) ( 3 ) ( F ) ; I did not apply for any Lowes credit . 
XXXX. XXXX XX/XX/XXXX Repeated Unauthorized Pull Violation : FCRA 604 ( a ) ; No credit product initiated.

FCRA Legal Basis Under FCRA Section 604 ( a ), a credit reporting agency may furnish a consumer report only if there is a permissible purpose, such as : In response to a credit transaction initiated by the consumer With written instruction of the consumer For employment purposes ( with written authorization ) None of the listed inquiries meet any of these criteria in my case. These actions are clear violations of the FCRA and constitute an invasion of privacy and negligent mishandling of consumer information.

Requested Resolution I am respectfully requesting that : 1. All the unauthorized inquiries listed above be fully removed from my credit file.

2. An internal investigation be conducted regarding how these inquiries were allowed without my consent.

3. All parties involved be held accountable under applicable law, and my credit score restored to reflect accurate data.

4. I receive a formal response outlining the steps taken to address this issue.

Supporting Documents I am prepared to submit identification documents, proof of residence, and a copy of my credit report upon request to assist with this investigation.

Harm Caused These unlawful inquiries have : Damaged my creditworthiness by reducing my score Created confusion and fear of potential identity theft Delayed my ability to obtain fair credit and housing Declaration I declare that all statements in this complaint are true and correct to the best of my knowledge. I demand immediate correction and relief as required under FCRA 616 ( civil liability for willful noncompliance ) and 617 ( civil liability for negligent noncompliance ).

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