Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : [ Insert Todays Date ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries & Demand for Verification of Permissible Purpose FCRA 604 & 611 To Whom It May Concern, I am writing to formally dispute a series of hard inquiries that have appeared on my TransUnion credit file. Due to TransUnions recent data breach, my personal identifying information may have been compromised, and I am requesting immediate verification of each inquiry listed below.

Under the Fair Credit Reporting Act ( FCRA ) 604, any party accessing my credit report must have a permissible purpose, and under 611, I have the right to request a full reinvestigation and deletion of any unverifiable item.

I am requesting that TransUnion provide the following for each inquiry below : 1. The name and address of the entity that accessed my report 2. The date of the inquiry 3. The method by which they state I authorized the inquiry 4. A copy of the signed application or written consent authorizing access 5. Immediate removal of any inquiry that can not be verified with proper documentation Because of the breach involving TransUnion data, I take these inquiries seriously and require a thorough investigation.

Hard Inquiries I Am Disputing 1. XXXX  XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 2. XXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 3. XXXX / XXXX / XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Phone : ( XXXX ) XXXX 4. XXXX XXXX XXXX  Requested On : XX/XX/XXXX Phone : Not available 5. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Phone : ( XXXX ) XXXX 6. XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 7. 4 XXXX XXXX XXXX ( via XXXX ) Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 9. XXXX XXXX XXXX XXXX. 

Requested On : XX/XX/XXXX Phone : Not available 10. XXXX  XXXX XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 12. XXXX XXXX  XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 13. XXXX XXXX XXXX ( via XXXX ) Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. 1 XXXX XXXX of XXXX ( via XXXX ) Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Phone : ( XXXX ) XXXX 18. XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX Phone : ( XXXX ) XXXX 19. XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX Phone : ( XXXX ) XXXX 20. XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Phone : ( XXXX ) XXXX 21. XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 23. XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 24. XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX 26. XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Requested On : XX/XX/XXXX Phone : Not available 28. XXXX/ XXXX  Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX Requested On : XX/XX/XXXX Phone : ( XXXX ) XXXX Please provide written results of your reinvestigation. 
If TransUnion can not produce verifiable documentation demonstrating my written authorization, these inquiries must be removed immediately under FCRA 611.

Thank you for your prompt attention to this matter. 
I look forward to your timely and compliant response. 

Sincerely, XXXX XXXX XXXX XXXX

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