Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Immediate Removal Request Under FCRA, FTC, and CFPB Laws Dear Credit Bureau Fraud Representative : I am writing to dispute multiple unauthorized hard credit inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit report may only be accessed with my express consent, and only for a permissible purpose by ; XXXX and with my human signature. Yet there are numerous entries across all three credit bureaus that were never authorized. These inquiries have negatively impacted my credit score and occurred within a tight timeframe, further suggesting unauthorized activity. 

Here is a detailed breakdown of the unauthorized/ fraudulent disputed inquiries, by company name and date : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Union Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automotive - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies/Auto Dealership- Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 
XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. 

Thank you in advance for your cooperation.

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