Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form 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 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 XXXXXX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX TransUnion I didn't know that companies could look for my information without my permission. The company on my credit report was unfamiliar to me, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose according to U.S Code & 1681 es seq section 604, which states that all users must have a permissible purpose when using consumer reports. Please remove this or send me documentation proving how we can use these types of inquiries accordingly. 
XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so I would appreciate it if you could remove this inquiry from my credit file immediately. I would also appreciate receiving documentation that you have investigated and removed the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX TransUnion I'm writing because there's an unauthorized inquiry on my credit report that I need removed. Can you please investigate and take care of this for me? Thirty days from now, I would also appreciate a full report on what was found during your investigation. This unauthorized inquiry is making it difficult for me to obtain new credit. 
XXXX XXXX XX/XX/XXXX TransUnion I would like to dispute an unauthorized inquiry that was made on my credit report. This inquiry is damaging my credit score and I would appreciate if you could remove it. Please update me on your findings within 30 days. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion I would like to formally request that the inquiries listed below be deleted from my credit report. I have not authorized these companies to view my credit history, so they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately. 
Page 1 of 3 TransUnion XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion .I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see this information without my permission. The Fair Credit Reporting Act makes it clear that only those with the proper paperwork can view credit report information, so please provide these documents immediately or delete any potential inquiries related with this company. 
XXXX XXXX XX/XX/XXXX TransUnion This is not right! I received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681e ( a ) Seg. 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.

You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Page 2 of 3 TransUnion PO Box XXXX XXXX, PA XXXX Page 3 of 3

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