Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized items appearing in my credit report. I have not yet submitted a complaint to the FTC, but my complaint with the Consumer Financial Protection Bureau ( CFPB ) is currently open and under review. I am requesting urgent action under applicable federal law to address the following issues : * * Account : XXXX Inquiry ( XX/XX/2025 ) * * Issue : This hard inquiry was placed on my credit report without my knowledge or consent. The inquiry has caused damage to my credit profile and is unauthorized.

Law : Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 15 U.S.C. 1681b ), consumer reporting agencies may only provide reports for specific permissible purposes, such as when the consumer gives written permission. The FCRA also requires information furnishers to conduct an investigation and remove or correct data that can not be verified ( 15 U.S.C. 1681i ).

Story : When I reviewed my credit report, I was alarmed to find that XXXX accessed my credit information on XX/XX/2025, even though I did not apply for any credit with them. This incident has created distress and uncertainty regarding identity theft or potential mishandling of my personal data. I ask that you provide proof of any authorization or, if none can be supplied, remove this inquiry. 

* * Account : XXXX XXXX Inquiry ( XX/XX/2025 ) * * Issue : This inquiry also appeared without my knowledge or consent. There is no signed application or communication on my part with XXXX XXXX and no valid basis for such an inquiry. 
Law : The FCRA mandates that no information can remain on a credit report if it is inaccurate or unverified, and any failed investigation resulting from a consumer dispute requires the removal of the disputed item ( 15 U.S.C. 1681i ) [ 1 ] [ 4 ] [ 5 ]. 
Story : Upon inspecting my credit file, I discovered that XXXX XXXX placed an inquiry on XX/XX/2025, which I never authorized. I am a responsible consumer, and this kind of error disrupts my financial wellbeing and increases my concern about the misuse of my sensitive information. I request immediate actioneither provide documented authorization for this access or delete the item promptly. 

* * Legal Basis for Investigation and Relief : * * - The Fair Credit Reporting Act gives me the right to dispute any item on my credit report I believe is inaccurate, incomplete, or unauthorized. 
- Upon receipt of this dispute, federal law requires the credit bureau and any furnishers of information to investigate the matter, usually within 30 days, and to remove or correct any data they can not verify. 
- If the credit bureau or furnisher fails to comply, I may be entitled to remedies including actual damages, costs, and attorney fees under FCRA Section 616 and 617 ( 15 U.S.C. 1681n, 1681o ).

* * Request : * * I urgently request that your team : - Investigate these unauthorized credit inquiries.

- Remove any inquiry that can not be validated with my signature or clear written authorization.

- Provide written confirmation of the outcome of your investigation.

Maintaining an accurate credit file is essential for my financial health and personal security. Please treat this matter with the urgency and thoroughness required by federal law.

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