Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
I am filing this complaint against TransUnion for the continued and repeated reporting of an overwhelming number of unauthorized or improperly listed inquiries on my credit report. These inquiries, many of which appear to have no permissible purpose under the Fair Credit Reporting Act ( FCRA ), have been left unaddressed despite my repeated efforts to demand their removal. 

The inquiries in question include ( but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX. These repeated entries imply automated, unauthorized, or third-party affiliate access that I did not directly initiate or authorize. In many cases, the parties listed have no relationship to me whatsoever. 

Under 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to provide a credit report in connection with a legitimate and permissible purpose, such as a firm offer of credit or insurance, employment, or a transaction initiated by the consumer. Most of these inquiries appear to be marketing-driven or the result of improper subscription-based data pulls that I never consented to. The inclusion of these inquiries negatively impacts my credit profile by creating the appearance of frequent credit-seeking behavior, which can lower my credit score and disqualify me from favorable lending terms. 

Furthermore, under 15 U.S.C. 1681b ( c ) and ( e ), even soft inquiries must be disclosed accurately, must not be misleading, and must be initiated for a clearly permissible purpose. Yet TransUnion continues to allow the unchecked listing of accounts associated with data-sharing affiliates or unrelated third parties, in violation of my right to privacy and my ability to control access to my credit profile. 

The emotional toll of having to monitor, explain, and dispute these unwanted intrusions is considerable. Each time I apply for legitimate credit or try to engage in a financial opportunity, these inquiries cast doubt on my financial stability. I have been denied pre-approvals, questioned by lenders about inquiries I had no knowledge of, and forced to navigate long and frustrating disputes that lead nowhere. The system TransUnion uses to allow affiliate data pulls through sites like XXXX XXXX XXXX and othersespecially when listed multiple times under the consumer 's own namefeels abusive, confusing, and deceptive. It has left me in a constant state of financial XXXX  wondering how my personal information is being used without my knowledge.

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