Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Inquiries FCRA Violation and TransUnion Data Breach To Whom It May Concern, I am writing to formally dispute several unauthorized and fraudulent credit inquiries that have appeared on my TransUnion credit report. I have never applied for credit with the entities listed below, nor have I given consent for these inquiries to be made. These inquiries are a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which strictly limits the permissible purposes for obtaining a consumer report.

According to 15 U.S.C. 1681b ( f ), a consumer reporting agency may furnish a report only if it has reason to believe that the user intends to use the information for a permissible purpose, such as a credit transaction initiated by the consumer. Since I did not initiate any such transactions, these inquiries were made without authorization and therefore constitute a violation of federal law. 
Additionally, I wish to note that I was a victim of the TransUnion data breach, which compromised consumer information and resulted in fraudulent activity linked to my identity. It is deeply concerning that, despite this breach, TransUnion continues to allow unauthorized access to my credit file.

Under 15 U.S.C. 1681i ( a ), I am requesting that TransUnion conduct a reasonable reinvestigation of these fraudulent inquiries and remove them from my credit report immediately. Please provide written confirmation of the results of your investigation and an updated copy of my corrected credit report once the inquiries have been deleted. 
If TransUnion fails to correct these inaccuracies within the timeframe established by law ( 30 days from receipt of this letter ), it will constitute a willful violation of the FCRA, entitling me to remedies including actual damages, statutory damages, and attorneys fees as permitted under 15 U.S.C. 1681n and 1681o. 
Please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have enclosed a copy of my drivers license and a recent utility bill for identity verification, along with a copy of the page of my credit report showing the fraudulent inquiries. 
Thank you for your prompt attention to this matter. I expect a written response confirming removal of the disputed inquiries. 
Sincerely, XXXX XXXX XXXX of Drivers License Copy of Utility Bill or ID Verification Copy of Credit Report Showing Fraudulent Inquiries

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