Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX cell phone XXXX Date ; XXXX To : [ Name of Consumer Reporting Agency e.g. Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand to Delete Unlawful Hard Inquiries from Consumer Report RE : FCRA Violations Unauthorized Access of My Consumer File To Whom It May Concern : I am formally disputing several unauthorized and injurious hard inquiries appearing on my consumer report, which were accessed without my consent, without a permissible purpose, and are not linked to any open account or approved credit application. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681e ( b ), I demand the immediate removal of the inquiries listed below. These inquiries were either : Initiated without my knowledge or consent, Not tied to any approved credit account, Or performed under a false pretense of legitimate business need. 
Your agency has an obligation to ensure that every hard inquiry listed on my report meets the definition of a permissible purpose under 15 U.S.C. 1681b ( a ) and that all reported data is accurate and verifiable under 15 U.S.C. 1681e ( b ).

Hard Inquiries to Be Deleted Immediately : Creditor / Company Name Date of Inquiry Reason for Dispute XXXX XXXX  XXXX  [ XX/XX/XXXX ] No credit application submitted XXXX XXXX XXXX  XXXXXXXX XXXX XXXX [ XXXX ] No account opened or approved XXXX  XXXX  XXXX  XXXX XXXX [ XX/XX/XXXX XXXX No permissible purpose ; no prior relationship XXXX  XXXX XXXX XXXX XX/XX/XXXX Inquiry was unauthorized and injurious ( You may add or remove rows as needed. ) Legal Basis for This Demand 15 U.S.C. 1681b ( f ) prohibits the acquisition of a consumer report unless the user is certified to have a permissible purpose. When an inquiry is not tied to an actual, initiated, or authorized transaction, it becomes a violation of federal law. 
In Federal Trade Commission v. TRW , Inc., 784 F. Supp. 361 ( N.D. Tex. 1991 ), the court held that consumer reports obtained without a valid permissible purpose violate the FCRA. Similarly, TransUnion Corp. v. FTC, 245 F.3d 809 ( D.C. Cir. 2001 ) affirms that inclusion of any data in a consumer report without a permissible useeven if derived from public or third-party sourcesconstitutes a reporting violation.

You also have a continuing obligation under 15 U.S.C. 1681e ( b ) to assure maximum possible accuracy. Allowing unverified or unauthorized inquiries to remain on my credit file not only diminishes my credit score but creates an inaccurate, misleading profile that harms my access to housing, employment, and financial opportunities.

Demand for Immediate Resolution Accordingly, I demand that you : 1. Immediately delete each hard inquiry listed above.

2. Provide written confirmation of removal.

3. Disclose the name, address, and certification of each entity that requested my report.

4. Supply all documentation showing how each inquiry was verified and justified. 
Failure to comply will result in regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil action for : Willful noncompliance under 15 U.S.C. 1681n, and Negligent noncompliance under 15 U.S.C. 1681o, seeking actual, statutory, and punitive damages, plus legal fees.

You are hereby given 15 calendar days to respond and correct this issue. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX [ Last Four Digits of SSN : XXXX [ Date of Birth : XXXX

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