Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnDOB: XXXXnSSN: XXXXnEmail: XXXXo:\nTransUnion LLC\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\n\n\nSubject: Dispute of Unauthorized Hard Inquiries  Identity Theft\n\nTo Whom It May Concern,\n\nI am formally disputing 139 unauthorized hard inquiries that appear on my credit file. These inquiries were not authorized by me and are the direct result of identity theft.\n\nUnder the Fair Credit Reporting Act (FCRA):\n\t\t604(a)(2)  A consumer reporting agency may only furnish a report with my written authorization.\n\t\t606(b) & 607(a)  The bureaus must maintain reasonable procedures to assure accuracy.\n\t\t609(a)(1)  I have the right to know who accessed my file and why.\n\t\t611(a)(1)(A)  If an inquiry cannot be verified as authorized, it must be deleted immediately.\n\nSince I never authorized these inquiries, they are inaccurate and unlawful. They must be permanently deleted from my credit reports.\n\n\n\nList of Unauthorized Inquiries XXXXn\n(Organized by year and bureau  includes all inquiries from my FTC Identity Theft Report and attached documentation)\n\XXXX (TU): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (TUXXXX): 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 (TU), XXXX (TU), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (TU), 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 (TU), XXXX XXXX XXXX (TU), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (TU/XXXX XXXXXXXX XXXX (TU), XXXX XXXX (TU), XXXX (TU), 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 (TU), XXXX XXXX XXXX (TU)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (TU)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 (TU), 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 (TU), XXXX (TU), XXXX XXXX (TU), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\n\nAction Requested\n\nI am requesting the immediate deletion of all 139 unauthorized inquiries from my TransUnion, XXXX XXXX XXXX credit files.\n\nPlease provide written confirmation once these deletions have been completed. If these inquiries are not removed within 30 days, I will escalate with the Consumer Financial Protection Bureau (CFPB), the FTC, and the South Carolina Attorney Generals Office.\n\nSincerely,\nTia Gavins'

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