Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
UNIDENTIFIABLE INQUIRY DELETION REQUEST ( Privacy & Consumer Law Violations ) * * TransUnion XXXX  XXXX XXXX XXXX, PA XXXX Re : Demand for Deletion of Unidentifiable/Inaccurate Hard Inquiries Due to Violations of FCRA, Privacy Laws, and Consumer Protection Standards To Whom It May Concern, I am formally disputing several unidentifiable inquiries that are currently appearing on my consumer report. These inquiries can not be matched to any authorized application, permissible purpose, or verifiable creditor, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and current consumer privacy standards.

1. No Permissible Purpose Under FCRA 604 Under FCRA 604 ( a ) ( 3 ), a hard inquiry may only be listed on my consumer report when : A creditor has a certified permissible purpose, I provided direct authorization, and The inquiry is accurately identified with a verifiable entity. 


The inquiries listed below fail to meet these requirements because they are unidentifiable, unverifiable, and not connected to any application or consumer-initiated transaction.

2. Violation of Privacy and Data-Handling Standards Reporting inquiries without identification or authorization is a violation of : GLBA Privacy Provisions failure to properly protect, identify, and disclose use of consumer information FACTA Red Flag Rules failure to prevent identity-related inconsistencies Consumer Data Privacy Standards requiring authenticated use of consumer information These laws require that any entity accessing or handling a consumers private personal information must be fully identifiable, maintain proper records, and ensure the consumer can verify the usage.

3. FCRA 611 Your Duty to Conduct a Reinvestigation I am requesting an immediate reinvestigation and complete deletion of all inquiries that can not be fully verified.

Verification must include : The exact creditor name, Permissible purpose, Date and method of authorization, and Identification of the person or system that initiated the pull.

If you can not provide this documentation, the inquiry must be deleted immediately, as required under FCRA 611 ( a ) ( 1 ) ( A ).

4. Inquiries to Be Investigated and Deleted Please investigate and delete the following unidentifiable inquiries : XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. Request for Written Results Please provide me : Written confirmation of the deletion of any unverifiable or unauthorized inquiry ; The full results of your reinvestigation ; An updated consumer report reflecting corrections.

Under FCRA 611, you must complete this reinvestigation within 30 days.

6. Identity Documentation Enclosed are copies of my identification solely for the purpose of processing this dispute : Government-issued ID Proof of address These documents are provided under the condition that they are used exclusively for identity validation and not shared beyond what the law requires.

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