Consumer complaint received 2025-09-10 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: AZ

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX PA XXXX Subject : Complaint Regarding Data Breach and Negative Impact on My Credit File I am writing to formally lodge a complaint regarding the recent data breach involving TransUnion and the subsequent impact it has had on my credit report and overall financial security.

As a consumer, I entrusted TransUnion with sensitive personal information, including my Social Security number and financial history. Due to your failure to adequately safeguard this information, my data has been exposed to unauthorized third parties. As a direct result, I have experienced harmful effects, including : Unauthorized inquiries on my credit file Potential fraudulent activity affecting my creditworthiness Increased risk of identity theft and financial loss Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion has a duty to maintain reasonable procedures to assure maximum possible accuracy and security of consumer information. The recent breach represents a serious violation of this duty.

I demand that TransUnion take the following actions immediately : Remove all unauthorized inquiries and any fraudulent accounts that have appeared as a result of the breach.

Provide me with written confirmation that my credit file has been corrected and restored to accuracy.

Offer complimentary credit monitoring and identity theft protection services for at least two years at no cost to me.

Explain, in writing, the steps TransUnion is taking to ensure that such a breach does not happen again.

If these issues are not resolved promptly, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal remedies for damages suffered due to TransUnions negligence.

I expect a full written response within 30 days of receipt of this letter, as required by law. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX  SS : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against TransUnion for Failure to Remove Unauthorized Credit Inquiries Dear CFPB, I am submitting this complaint against TransUnion for failing to correct unauthorized credit inquiries on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

On [ date ], I disputed the following inquiries directly with TransUnion, as they were made without my authorization and without a permissible purpose under 15 U.S.C. 1681b : Unauthorized Inquiries : XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Despite providing proof of identity and a formal dispute letter, TransUnion has not removed the inquiries within the required 30-day timeframe under 15 U.S.C. 1681i. By allowing inaccurate and unauthorized information to remain on my credit report, TransUnion has failed in its duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy.

I request that the CFPB investigate this matter and require TransUnion to : 1. Remove the unauthorized inquiries listed above from my credit file ; 2. Confirm in writing that the inquiries have been deleted ; and 3. Ensure that TransUnion complies with its obligations under the FCRA.

Attached are copies of my dispute letter to TransUnion, their response ( if any ), my government-issued ID, proof of address, and my credit report with the disputed inquiries highlighted. 
Thank you for your assistance in resolving this matter.

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