Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
Complaint Summary : I am filing a complaint regarding multiple unauthorized inquiries listed on my credit report. On XXXX XXXX, I submitted written disputes to [ XXXX ] requesting verification of inquiries that I did not authorize, as outlined under the Fair Credit Reporting Act ( FCRA ). I requested that the credit bureau provide documentation proving I gave written permission for each inquiry.

To date, I have not received any supporting documentation, nor have the inquiries been removed. This lack of response or verification is a violation of FCRA guidelines, which require the bureau to complete an investigation within 30 days and correct or remove unverifiable information. 
I am requesting that the credit bureau remove all inquiries that can not be verified, as required by law. 
Attached are copies of my original dispute letters, proof of mailing, and ID for verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear TransUnion, I am writing to formally dispute several credit inquiries that appear on my TransUnion credit report. According to the Fair Credit Reporting Act ( FCRA ), only authorized inquiries may remain on my report, and I have not provided consent for the inquiries listed below.

Please investigate and provide documentation showing that I granted written authorization for the following inquiries. If no such documentation exists, I respectfully request that these be removed from my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached are copies of my drivers license and a utility bill to verify my identity and address. 

Thank you for your prompt attention. I expect a written response within 30 days as required by federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Equifax, I am writing to dispute an unauthorized inquiry that appears on my Equifax credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), only inquiries that I have authorized in writing may remain on my file.

Please investigate and provide verification of the following inquiry. If you can not provide documentation showing my consent, I respectfully request that it be removed from my credit file : - XXXX XXXX XX/XX/XXXX I have enclosed a copy of my drivers license and a recent utility bill to verify my identity and address. 

Thank you for your time and attention. I look forward to your response within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute several unauthorized inquiries listed on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have specifically authorized may remain. I did not grant permission for the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that these inquiries be investigated and removed if they can not be verified as authorized. I have enclosed my identification and a recent utility bill for verification.

Thank you for your time and your prompt attention. I look forward to your response within the required 30-day period. 

Sincerely, XXXX 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