Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against Experian and TransUnion for their willful and negligent violation of federal consumer protection laws by continuing to report fraudulent and unauthorized hard inquiries on my credit reports. I did not authorize, initiate, or consent to these inquiries. I have submitted written disputes to both bureaus, supported by a police report for identity theft. These bureaus have failed to act in accordance with their legal obligations, causing significant and unjust harm to my credit profile. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entities accessed my credit file without permissible purpose or written authorization, in direct violation of federal law. 

Violations Cited : Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 3 ), 15 U.S.C. 1681b No permissible purpose for inquiry.

604 ( c ) ( 1 ) ( A ), 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) No written authorization given.

607 ( a ), 15 U.S.C. 1681e ( a ) Bureaus failed to use reasonable procedures to ensure inquiries are legally permissible.

610, 15 U.S.C. 1681h Bureaus failed to provide documentation identifying the purpose of the inquiry.

611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Bureaus failed to investigate and remove unverifiable inquiries within the required 30-day period.

609 ( a ) ( 1 ) I was not provided with a complete copy of the file or documentation on inquiry authorization.

1681n & 1681o Willful and negligent noncompliance, which subjects the bureaus to civil liability, including statutory and punitive damages.

Fair Debt Collection Practices Act ( FDCPA ) : 1692f If any of the inquiries are related to collections, failure to validate debts makes them unlawful. 

Federal Trade Commission ( FTC ) Advisory Opinions : Clarify that any inquiry without a valid, consumer-authorized transaction is unlawful, and CRAs have a duty to block such access. 

Requested Relief : Immediate and permanent removal of all disputed inquiries from my Experian and TransUnion credit reports.

Written confirmation of removal within 15 calendar days as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Written documentation of permissible purpose and signed authorization for each disputed inquiry, if any exist.

Sanctions and enforcement from the CFPB to ensure these credit bureaus comply with federal law.

Block any further unauthorized access related to these fraudulent accounts.

Supporting Documentation : Police Report for Identity Theft ( available upon request ).

Formal written disputes sent to Experian and TransUnion with detailed legal citations.

I respectfully request the Consumer Financial Protection Bureau take immediate enforcement action against Experian and TransUnion for their continued violations of federal consumer protection laws. I urge the Bureau to compel the removal and blocking of these unauthorized inquiries from my credit reports to prevent further harm.

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