Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report, specifically with TransUnion. Despite my repeated efforts to resolve this issue directly with TransUnion and the company responsible for these inquiries, they have refused to remove them from my credit report. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed multiple unauthorized hard inquiries listed on my TransUnion credit report. I disputed these inquiries directly with TransUnion through their representatives over the phone, but I was informed that the option to dispute hard inquiries online had been removed. Instead, I was instructed to dispute these inquiries by mail, despite having already submitted disputes on the aforementioned dates, with no resolution. 

The unauthorized hard inquiries are the result of actions taken by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have confirmed that these inquiries were made without my permission or authorization. Furthermore, as defined under 15 U.S.C. 1693 ( a ) 2, nor have I ever authorized any credit inquiry or report to be obtained from them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits any person from using or obtaining a consumer report for any purpose unless : The consumer report is obtained for a purpose for which it is authorized to be furnished under this section ; The purpose is certified in accordance with 15 U.S.C. 1681e by a prospective user of the report through a general or specific certification. 
These unauthorized inquiries clearly violate these provisions, and as such, I am requesting the immediate removal of all hard inquiries related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my TransUnion credit report. The inquiries were obtained without my consent, and the company failed to comply with the legal requirements outlined in the FCRA. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding these false and unauthorized hard inquiries. Despite the involvement of the FTC and my ongoing efforts to address this matter, TRANSUNION has refused to take appropriate action to rectify the situation. 

Enclosed are copies of relevant documentation, including my previous dispute attempts, any correspondence with TransUnion, the FTC report, and any supporting evidence showing that I did not authorize these inquiries. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that TransUnion takes the necessary actions to remove these unauthorized inquiries in accordance with the Fair Credit Reporting Act.

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