Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the presence of unauthorized or inaccurate hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information that is inaccurate, unverifiable, or unauthorized. 

Upon reviewing my credit report, I noticed the following inquiries that I did not authorize and must be immediately removed : I request the removal of these inquiries based on the following consumer protection laws : FCRA Section 604 ( 15 U.S.C. 1681b ) Permissible Purpose A credit inquiry may only be placed on my credit report if I have given explicit written consent or if the inquiry is for a legally permissible reason. 
If the company can not provide written proof of my authorization, these inquiries must be deleted immediately. 
FCRA Section 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) Right to Disclosure I demand that you provide documentation proving that I personally authorized each of the listed inquiries.

If you can not provide such proof, you are legally required to remove these inquiries. 
FCRA Section 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information As a consumer, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report.

If an inquiry is not properly verified within 30 days, it must be permanently deleted from my credit file. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Data Furnishers The entity that placed these inquiries is legally responsible for ensuring accuracy.

If they can not prove my authorization, they must request immediate removal. 
My Demands Delete all unauthorized hard inquiries from my credit report. 
Provide me with written confirmation that these inquiries have been removed. 
Provide a free updated copy of my credit report reflecting these changes because you are in complete Violation of FCRA 1681e ( b ) Duty to Report Accurate Information 15 U.S.C. 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy '' of consumer reports.

If one bureau determined the information to be inaccurate or unverifiable and removed it, but another continues to report it, that raises questions about the reasonableness and accuracy of the reporting procedures.

2. Violation of FCRA 1681i ( a ) ( 5 ) Requirement to Delete Inaccurate or Unverifiable Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if disputed information " can not be verified '' or is " found to be inaccurate '', it must be deleted from the consumer 's file within 30 days.

If one bureau deleted the information, it means it was either inaccurate or unverifiable. Any other bureau failing to remove the same data may be in violation of this section.

3. Violation of FCRA 1681i ( a ) ( 2 ) Duty to Notify Other Bureaus 15 U.S.C. 1681i ( a ) ( 2 ) requires credit bureaus to notify the source ( furnisher ) of the disputed information and provide all relevant details. 
If one bureau removed the record, it suggests the furnisher failed to verify the information.

The non-complying bureau may be neglecting its duty to conduct an independent reinvestigation or failing to act on the results of the initial dispute.

4. Violation of FCRA 1681g ( a ) Right to Access Correct and Consistent Information Under 15 U.S.C. 1681g ( a ), consumers have the right to request and receive accurate and complete information from all credit bureaus.

Inconsistencies between credit reports could mean a bureau is violating your right to receive correct data.

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