Consumer complaint received 2025-06-22 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: KS

Complaint narrative:
XX/XX/year> Dear Sir or Madame I am writing to formally address serious violations of the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681. 1681b and 15 USC 6802-6805 which i have identified through my recent review of my credit report. I requested the removal of all derogatory and inaccurate information. During this review I discovered that Transunion permitted XXXX unauthorized inquiries and facilitated XXXX data breaches, allowing secondary markets access to my private personal information without my consent or authorization. Such unauthorized disclosure are illegal under the FCRA and significantly compromise my privacy and security leaving me vulnerable to identity theft. 
Under the FCRA, each violation is subject to statutory damages of {$2500.00} per inquiry/violation. I have identified XXXX total unidentified entities that accessed my information without my consent comprising the XXXX inquiries and the XXXX data breaches- totaling XXXX violations. 
Furthermore. I addressed this issue directly with TransUnion on XX/XX/XXXX. At that time, my XXXX XXXX was XXXX. However, the very next day my credit score plummeted by XXXX points to XXXX for no other reason than me voicing my concerns In my humble opinion. 

Legal Basis and Violations : 15 U.S.C. 1681b ( Permissible Purposes ) : This statute restricts consumer reporting agencies from obtaining consumer reports unless permitted by law or with consumer consent. The unauthorized inquiries and disclosures violate this provision.

15 U.S.C. 1681s-2 ( Duties of furnishers of information ) : TransUnion, as a consumer reporting agency, has a duty to ensure the accuracy and security of the data it handles. The unauthorized data breaches and multiple inquiries violate this duty.

15 U.S.C. 6802-6805 ( Data Security and Identity Theft Prevention ) : These statutes impose obligations on entities handling PII to implement reasonable data security measures. The breaches and unauthorized disclosures contravene these requirements.

12 CFR 1083.1 ( Regulation V - Fair Credit Reporting ) : This regulation enforces the FCRA and requires consumer reporting agencies to follow procedures to ensure maximum possible accuracy, security, and privacy of consumer information. XXXX failure to prevent unauthorized inquiries and breaches breaches these rules. 

I am exercising my rights under the FCRA and reserve all remedies available to me. 
Accordingly,, I am requesting the following : XXXX. Correction of my credit score to XXXX to reflect my accurate credit standing, free from the impact of these violations. 
XXXX, Compensation for violations Calculated at {$2500.00} per violation, totaling {$85000.00}. ( {$250000.00} ) multiply by XXXX. 

Please address this matter promptly. I expect all written response within the time frame stipulated by law, and I reserve all rights to pursue further legal remedies if my concerns are not adequately addressed. 

Kind Regards, 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