Consumer complaint received 2024-09-08 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: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding unauthorized and unrecognizable inquiries made to my credit report by TransUnion. These inquiries were made without my knowledge, consent, or permissible purpose, which is a clear violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ).

Violations of the FCRA Pursuant to the FCRA, unauthorized inquiries violate several provisions : 15 U.S.C. 1681b Permissible purposes of consumer reports. These inquiries were made without my explicit consent, violating the permissible purpose requirement.

15 U.S.C. 1681n Civil liability for willful noncompliance. This violation of my rights appears to have been willful, given the lack of any valid authorization on my part.

15 U.S.C. 1681o Civil liability for negligent noncompliance. Alternatively, if this inquiry was due to negligence, TransUnion and the entity responsible for the inquiry must still be held accountable.

15 U.S.C. 1681c-1 Identity theft prevention. I am entitled to protections against identity theft, which includes safeguards against unauthorized access to my credit file.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information. The inquiry should have been thoroughly verified before being reported. TransUnion has failed in this responsibility.

Violation of the Gramm-Leach-Bliley Act ( GLBA ) Under 15 U.S.C. 6802-6805, I have the right to opt-out of sharing my nonpublic personal information with third parties. The unauthorized inquiry is in direct violation of these provisions, as I did not grant permission for my information to be shared or accessed by any third party.

Privacy Act of 1974 and ECOA Violations In addition to the above violations, the unauthorized inquiry breaches the Privacy Act of 1974 by mishandling my private information, and the Equal Credit Opportunity Act ( ECOA ), which requires fair and non-discriminatory access to credit information.

FTC Report Filed I have already reported this issue to the Federal Trade Commission ( FTC ) on [ XX/XX/XXXX ], and my case number is [ XXXX ]. This report further substantiates my claim that my identity may have been compromised, and unauthorized activity has occurred on my credit report.

Request for Immediate Action I request the CFPBs intervention to ensure that TransUnion immediately removes these unauthorized and unrecognizable inquiries from my credit report. Their actions have impacted my creditworthiness, and this issue needs urgent attention.

I trust that the CFPB will thoroughly investigate this matter and take all necessary steps to ensure my rights are upheld. Please keep me informed of your progress regarding this complaint.

Thank you for your attention to this important matter. I look forward to your prompt resolution of this issue.

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