Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to XXXX  and Transunion ; on XX/XX/XXXX the " XXXX '' did an employer inquiry on me. I work for the XXXXXXXX XXXX XXXXXXXX. I contacted the XXXX of XXXX, and they stated that they did not do a credit on me, and that they use a third party to do credit checks. I contacted Transunion to get a full copy of my credit report. I got this message " We're unable to complete your request online. '' I called the number provided XXXX but that number didn't work. The Transunion chat is as follows : XXXX XXXX Hello! I am the TransUnion Virtual Assistant. Would you like to chat in XXXX XXXX - XXXXXXXX XXXX Thank you for contacting TransUnion. 


Tell us how we can assist you today, or select View Options below. 


Do not include any account or personal information, SSN, dispute or credit report complaints unless requested by a live agent. 
View Options TransUnion Virtual Assistant - XXXXXXXX XXXX I received an alert stating that my employer check my credit. My employer states that they didn't do. I need help figuring out what happend. 
You - XXXXXXXX XXXX  Sorry! I am still learning, could you please ask me again? 
You can select from the options below or you can type your question in the space provided. 
Freeze Credit Account Access Credit Report Credit Score Disputes Fraud Alert Unfreeze Credit TransUnion Virtual Assistant - XXXXXXXX XXXX  Account Access You - XXXX XXXX  I am happy to help with your account access if you are unable to log in. 
Please select the account you would like to log into. 
TransUnion Service Center Account XXXX Account TransUnion Credit Monitoring Account TransUnion Identity Protection Sign up for a TransUnion Service Center account Cancel account Transition ( Migration ) to Credit Essentials or Credit Premium TransUnion Virtual Assistant - XXXX XXXX something else You - XXXXXXXX XXXX  Sorry! I'm still learning some questions. 


Would you like to talk with an agent? 
Yes No TransUnion Virtual Assistant - XXXX XXXX  Yes You - XXXXXXXX XXXX XXXXn order to transfer you to the correct agent, Please select from the following options that best describe your question : Technical Issues Login Issues Identity Verification Error Cancellations Freeze Fraud Alert Credit Report Credit Score General Questions TransUnion Virtual Assistant - XXXXXXXX XXXX  General Questions You - XXXXXXXX XXXX  Please hold while I am transferring you to a live agent. 
TransUnion Virtual Assistant - XXXXXXXX XXXX  Welcome to our live chat service. My name is XXXX and I am here to assist you. 
XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX Hello, how may I assist you? 
XXXX - XXXXXXXX XXXX  I received an alert that on XX/XX/XXXX my credit report was pulled by the 'XXXX " I work for the XXXX  Have been working for them for a few years. They state that they didn't do this. That they use a third party service. 
You - XXXXXXXX XXXX XXXXs that showing up on your credit report? 
XXXX - XXXX XXXX They stated that they did not check my credit on XX/XX/XXXX. 
yes XXXX - XXXXXXXX XXXX  Kindly note that currently, the only option we have to receive inquiries dispute is by mail because they are statements of fact. Therefore, we need proof that you did not authorize them. 
- We will need two letters. One letter from you requesting the removal, and XXXX letter from the creditor indicating the inquiry should be removed OR An identity theft report. In case you need it the Federal Trade Commission phone number is ( XXXX ) XXXX https : //www.ftc.gov/ And proof of ID ( Copy of SSN or Drivers license ) to : TransUnion XXXX XXXX XXXXXXXX XXXX, PA XXXX The only thing we can do at the moment is to send a letter to the creditor advising that you are challenging the inquiry. This does not guarantee removal of the inquiry. 
XXXX - XXXX XXXX it says 'XXXX " undefined Can you trace who did the search? 
You - XXXXXXXX XXXX  We are not able to do that. You can file for a police report or identity theft report XXXX - XXXX XXXX  how do I prove that I did not authorize my employer to check my credit? 
I did give them permission back when I was onboarding. However that was in XXXX. This inquiry was done on XX/XX/XXXX. They state that they didn't do this. 
You - XXXXXXXX XXXX  Kindly be advised that Transunion is only able to assist with what is reported on your Transunion credit report, if the inquiry is on the credit report, you can follow the dispute process for inquiries that I have provided. XXXX XXXX XXXX XXXX It is through transunion, that's why I'm speaking with you. 
You - XXXX XXXX Kindly note that currently, the only option we have to receive inquiries dispute is by mail because they are statements of fact. Therefore, we need proof that you did not authorize them. 
- We will need two letters. One letter from you requesting the removal, and XXXX letter from the creditor indicating the inquiry should be removed OR An identity theft report. In case you need it the Federal Trade Commission phone number is ( XXXX ) XXXX https : //www.ftc.gov/ And proof of ID ( Copy of SSN or Drivers license ) to : TransUnion XXXX XXXX XXXX  XXXX, PA XXXX The only thing we can do at the moment is to send a letter to the creditor advising that you are challenging the inquiry. This does not guarantee removal of the inquiry. 
XXXX XXXX XXXX XXXX  This conversation is now authenticated Info - XXXXXXXX XXXX  this is very overwhelming You - XXXXXXXX XXXX  I do apologize for the inconvenience this may have represented. We can also assist with a credit freeze to prevent unauthorized credit pulls. 
XXXX - XXXX XXXX what will that do to fix my current problem? 
You - XXXXXXXX XXXX  Regarding that, you will have to file for a police report if you want this investigated. 
XXXX - XXXXXXXX XXXX ~END~ I told XXXX that the online request and the phone number weren't working. XXXX stated to log out and log back in. This action of course ended our chat. 

I still need help.

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 non-monetary relief