Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
This is my aggressive and unequivocal demand for the immediate blocking and permanent deletion of the following unauthorized inquiries from my credit report, pursuant to 15 U.S.C. 1681b ( permissible purpose for inquiries ), 15 U.S.C. 1681c-2 ( blocking identity theft-related information ), 15 U.S.C. 1681i ( reasonable reinvestigation ), and all other applicable provisions of the Fair Credit Reporting Act ( FCRA ). Enclosed is a copy of my FTC identity theft report as irrefutable evidence that these inquiries stem from identity theft and a data breach compromising my personal information. I do not recognize nor authorize any of these inquiries, and they were conducted without my consent or any permissible purpose under FCRA Section 1681b. Your failure to remove them despite prior disputes constitutes willful non-compliance, and I will not accept any further delays, excuses, or reinsertions. As mandated by law, you MUST block this information within FOUR business days and conduct a full reinvestigation under Section 1681i, providing me with verifiable proof of any alleged " permissible purpose '' or deleting them outright.

As a repeated victim of identity theft, these unauthorized inquiries have inflicted severe and ongoing damage : artificially lowering my credit score, hindering my ability to obtain credit or financing, and causing unnecessary scrutiny from lenders. TransUnion 's continued reporting of these fraudulent pulls demonstrates a reckless disregard for accuracy and consumer rights, violating FCRA Section 1681e ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy. If these inquiries are not permanently expunged, I will pursue all available remedies, including immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General, as well as civil litigation under FCRA Sections 1681n and 1681o for willful and negligent violations. This includes seeking statutory damages of up to {$1000.00} per violation, actual damages for the financial and emotional harm endured, punitive damages to punish your misconduct, and reimbursement for all legal fees and costs. Your inaction ends nowremove these inquiries definitively or face the full force of legal accountability. 
All necessary documentation, including the FTC report and evidence of my prior disputes, is enclosed. This letter has been sent via fax, Certified mail with return receipt requested, and electronic submission to establish a clear record of receipt. I demand written confirmation of deletion within the statutory timeframe, an updated credit report at no charge, and a detailed explanation of any prior " verifications '' that allowed these to remain. 
I demand the immediate and permanent removal of the following unauthorized inquiries from my credit report. There will be no tolerance for non-compliance : INQUIRIES : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX AUTO Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX You have been explicitly warned : Erase these fraudulent inquiries now, or prepare for aggressive legal action. I will enforce my rights relentlessly.

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