Consumer complaint received 2025-09-21 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: TN

Complaint narrative:
Aggressive Hard Inquiry Dispute Letter ( Unauthorized Inquiries FCRA Violations ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Demand to Remove Unauthorized Hard Inquiries/ Notice of Violations To Whom It May Concern, This letter serves as a final demand regarding multiple unauthorized hard inquiries that are still being reported on my credit file maintained by TransUnion. I have repeatedly notified your company in writing, as required, that I did not authorize these inquiries. Despite sending multiple letters, TransUnion has failed to remove them and has instead engaged in stall tactics by claiming my disputes were not received, or by instructing me to send disputes in writing again, which I have already done. 

These are the three inquiries on my credit report that I did not authorize : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items, including contacting the entity that placed the inquiry. Instead, your company has refused to investigate, refused to remove inaccurate information, and falsely verified the inquiries as legitimate. 

I am fully aware that TransUnion is currently being sued by the CFPB and in class action litigation for sham investigations and failure to properly address consumer disputes. My situation falls exactly within these unlawful practices. 

Each failure to properly investigate and correct my disputes constitutes a willful violation of federal law, entitling me to {$1000.00} per violation in statutory damages, plus monetary relief for actual damages. 



Demand for Immediate Action 1. Remove all unauthorized hard inquiries from my credit file within 15 days of receipt of this letter. 
XXXX. Provide me with the full method of verification for each disputed inquiry, including the name of the person contacted at the creditor, date/time of verification, and proof that I gave written authorization. 
XXXX. Compensate me for damages caused by these repeated violations, including {$1000.00} per violation as provided under the FCRA. 

If TransUnion does not comply, I will escalate by : Filing formal complaints with the CFPB, FTC, and my State Attorney General ; Initiating legal action in federal court seeking statutory damages, actual damages, attorney fees, and punitive damages ; Pursuing arbitration or other legal remedies available to me. 

You are hereby on notice. Failure to comply will result in immediate legal escalation. 

Sincerely, 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