Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I discovered unauthorized hard credit inquiries on my TransUnion file that I did not authorize. Below are the inquiries I dispute : 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 ( duplicate ) XXXX of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit or otherwise provide authorization for TransUnion to furnish my report to these parties. I have previously disputed this with TransUnion ( include dates/tracking if you did ). I request that TransUnion : ( 1 ) delete all unauthorized hard inquiries ; ( 2 ) provide the name ( s ) and contact information of the parties who accessed my report and the permissible purpose they claimed; and ( 3 ) confirm in writing that the inquiries were removed. 

I am attaching my credit report pages showing these inquiries and copies of my disputes/communications. I believe these pulls are improper uses of my report and may violate the FCRA and privacy protections. Please investigate and confirm resolution. 

( If you want to add your FCRA/Privacy Act assertions, you can append a single sentence : I believe these pulls violate 15 U.S.C. 1681 et seq. ( FCRA ) and related privacy protections ; I am requesting deletion and confirmation. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries FCRA 1681i Re : Request for Immediate Deletion of Unauthorized Credit Inquiries To Whom It May Concern, I am formally disputing the following hard inquiries that appear on my credit report. I do not recall authorizing these inquiries in writing or verbally, and they were not made in connection with any credit transaction that I initiated. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report if there is a permissible purpose. If you can not provide documented evidence of such permissible purpose, these inquiries must be deleted.

Below are the inquiries in question : 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 ( Duplicate inquiry ) XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations Identified FCRA 1681b ( a ) ( 2 ) & ( a ) ( 3 ) : No permissible purpose and no written authorization. 
FCRA 1681q : Obtaining information under false pretenses.

Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to safeguard nonpublic personal information.

Privacy Act of 1974 ( 5 U.S.C. 552a ) : Each unauthorized disclosure of my personal information, including my Social Security Number, constitutes a separate violation with statutory damages of {$1000.00} per occurrence.

15 U.S.C. 1692n & 1692k ( FDCPA ) : Any false, deceptive, or misleading use of my information in connection with the collection of a debt.

Identity Misuse & Trade : The unlawful use of my SSN and personal identifiers in any commercial or trade transaction without my consent may constitute identity trafficking, punishable under both federal and state law.

Demand for Action Under FCRA 611 ( 15 U.S.C. 1681i ), I demand that you : 1. Investigate each of the above inquiries.
2. Provide the name, address, and telephone number of the party who obtained my report.

3. Provide documented proof of my written authorization for each inquiry.

4. State the permissible purpose claimed under law for each inquiry. 

If you can not verify lawful purpose and my consent for these inquiries within 30 days, you are required by law to delete them from my credit file. 

Failure to comply will be documented as willful noncompliance, triggering statutory damages of {$1000.00} per violation under the Privacy Act, plus all remedies under FCRA 1681n and 1681o.

Sincerely, XXXX 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