Consumer complaint received 2024-08-14 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: MN

Complaint narrative:
To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer.

The law is explicit : ( A ) The consumer must authorize the agency to provide such a report.

( B ) ( i ) The transaction must consist of a firm offer of credit or insurance.

( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) : XXXX XXXX XXXX XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX CO - XX/XX/XXXX - You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report I demand that you DELETE this unauthorized inquiry from my credit file right now!

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