Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
To Whom It May Concern, My name is [ Your Full Name ], and I am filing this formal complaint against TransUnion for reporting unauthorized hard inquiries on my consumer credit file, which I did not authorize or initiate.

Upon reviewing my TransUnion credit report, I discovered the following unauthorized inquiries : Unauthorized Hard Inquiries : 1. XXXX  Date of Inquiry : XX/XX/XXXX I have never applied for credit with this company nor provided authorization for this inquiry. Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b ( c ) A consumer reporting agency may only furnish a consumer report when there is a permissible purpose. This inquiry lacks a permissible purpose. FCRA 15 U.S. Code 1681b ( f ) Obtaining a credit report without authorization is a violation of federal law. 
2. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I have never applied for any credit or services from this company. This hard pull was done without my knowledge or consent. Violation : FCRA 15 U.S. Code 1681b ( c ) & 1681b ( f ) No permissible purpose and no written authorization provided by me for this inquiry.

Legal Summary : According to the Fair Credit Reporting Act ( FCRA ) : Only permissible inquiries initiated by a consumers application for credit or services may appear on a consumer credit report. 
Inquiries made without consumer consent or a permissible purpose are considered unauthorized and must be immediately removed. 
Allowing such unauthorized inquiries to remain damages the consumers creditworthiness, privacy, and financial standing. 
Request for Relief : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : 1. Investigate why TransUnion allowed these hard inquiries to be placed on my credit file without my authorization.

2. Direct TransUnion to remove these unauthorized inquiries from my report permanently.

3. Prevent recurrence of such violations in the future by enforcing accountability and strict compliance with the FCRA. 
I am attaching a copy of my TransUnion report highlighting the unauthorized inquiries. Please take swift action to resolve this matter, as these inaccuracies are harming my credit standing and were never initiated by me. 

I am filing this formal complaint against Experian for reporting inaccurate personal address information and multiple unauthorized hard inquiries on my credit report, which are damaging my credit profile and violating federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Issue # 1 : Inaccurate Address Reporting Inaccurate Address Reported by Experian : XXXX XXXX XXXX, XXXX, LA XXXX This is not my address. I have never lived at or been associated with this location. 
Despite multiple disputes, Experian continues to report this false address, which can lead to the association of unrelated accounts or public records with my identity. 
Violation : FCRA 607 ( b ) : Experian failed to maintain maximum possible accuracy in the information they report. FCRA 611 : Failure to properly inv
estigate and correct disputed information.

Issue # 2 : Unauthorized/Inaccurate Hard Inquiries The following hard inquiries were conducted without my knowledge, permission, or permissible purpose. I did not apply for any credit or authorize any of these entities to access my report on the listed dates : Creditor Name Date of Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX These inquiries are unauthorized and have negatively impacted my credit score. I have not initiated any business relationship or credit application with these entities.

Violations : FCRA 604 ( a ) : No permissible purpose for obtaining my credit report.

FCRA 605B : Experian failed to block the reporting of unauthorized credit pulls.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to reinvestigate after dispute.

Requested Resolution : 1. Immediate removal of the incorrect address : XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX. Immediate deletion of the following unauthorized hard inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX 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 XXXX. A full investigation into Experians compliance with federal law regarding the above items. 
Supporting Law Citations : FCRA 602 Purpose : to ensure fair and accurate reporting.

FCRA 604 ( a ) ( 3 ) Only entities with a valid reason can access credit reports.

FCRA 611 Right to dispute and require deletion if unverifiable.

FCRA 607 ( b ) CRA must follow reasonable procedures to ensure accuracy.

Conclusion : Experians reporting failures have harmed my creditworthiness and financial standing. I am requesting the CFPB to take immediate regulatory action to compel Experian to correct these violations.

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 non-monetary relief