Consumer complaint received 2024-09-06 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: IN

Complaint narrative:
**Consumer Financial Protection Bureau Complaint** **Complaint Against : ** - **Company : ** TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX - **Website : ** www.transunion.com **Complaint Summary : ** I am submitting this complaint against TransUnion LLC regarding multiple unauthorized reinsertions of inquiries on my credit report, which violates the Fair Credit Reporting Act ( FCRA ), specifically under **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **. Additionally, these inquiries were not made for **permissible purposes** as defined under **15 U.S.C. 1681b** of the FCRA .

**Details of the Complaint : ** 1. **Reinsertion of Previously Removed Inquiries** : I successfully disputed a series of unauthorized inquiries on my credit report, and TransUnion removed them. However, these inquiries were later reinserted into my credit report **without providing me with written notice within five business days**, as required by **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **.

2. **No Verification of Inquiries** : TransUnion failed to provide proof that these inquiries were verified with the creditor before reinserting them. The FCRA requires the credit reporting agency to confirm the accuracy of any reinserted information. I have not received any such documentation. 

3. **Permissible Purpose Violations ( 15 U.S.C. 1681b ) ** : The inquiries that were reinserted do not meet the criteria for **permissible purposes** under **15 U.S.C. 1681b**. These inquiries were not authorized by me, nor were they conducted for legitimate reasons such as reviewing my application for credit, insurance, or employment.

4. **Negative Impact on My Credit Score** : The unauthorized inquiries and their improper reinsertion have negatively impacted my credit score, and I believe this constitutes an unfair and deceptive practice in violation of the FCRA.

**Desired Resolution : ** I request that the CFPB : - Investigate TransUnion 's actions regarding the improper reinsertion of inquiries without proper notification or verification.

- Require TransUnion to remove all unauthorized inquiries from my credit report immediately.

- Provide me with proof that these inquiries were verified with the original creditors before being reinserted, including evidence of permissible purpose.

- Impose any necessary penalties on TransUnion for violating FCRA reinsertion laws and permissible purpose requirements.

I also request that TransUnion takes corrective action to ensure compliance with the FCRA in handling consumer disputes and reinsertions going forward.

**Documentation : ** - Attached is my correspondence with TransUnion , including dispute letters, removal confirmations, and credit report details showing the reinserted inquiries.

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