Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Unauthorized Hard Inquiries on Credit ReportAccount/Report Number : [ Your TransUnion Report Number, if available ] Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion Dispute Resolution Team : I am writing to formally dispute the above-referenced hard inquiries appearing on my TransUnion credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inquiries were conducted without my permissible purpose, written consent, verbal authorization, or any other valid basis as required by FCRA Section 1681b. I demand that you immediately investigate these inquiries, verify their accuracy and completeness, and permanently remove them from my credit report if they can not be verified as authorized. 
Details of the Dispute XXXX. XXXX XXXX Dated XX/XX/XXXX : This inquiry from XXXXXXXX XXXX XXXX XXXX XXXX  related to XXXXXXXX XXXX XXXX XXXX XXXX was not authorized. I did not apply for credit, initiate any transaction, or provide any form of consent ( written, verbal, or otherwise ) that would permit this entity to access my consumer report. This constitutes an impermissible pull under FCRA 1681b ( a ), as no permissible purpose exists, such as a credit application, account review ( I have no account with this furnisher ), or other statutorily allowed reason. 
XXXX. XXXX XXXX Dated XX/XX/XXXX : This inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was similarly unauthorized. I did not seek financing, apply for any loan, or grant permission for this pull. Absent my consent or a valid permissible purpose, this inquiry violates FCRA 1681b and must be deleted. 
Under FCRA 1681i ( a ), you are required to conduct a reasonable investigation of this dispute within 30 days of receipt, including forwarding all relevant information to the furnishers ( XXXX XXXX XXXX ) via the E-OSCAR system or other means. Metro 2 guidelines, as established by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mandate accurate reporting of consumer data, including inquiries. Specifically, inquiries must be reported only if they comply with FCRA permissible purpose requirements. If the furnishers can not provide evidence of my authorization or a valid permissible purpose, the inquiries must be deleted from my report, and you must update the Metro 2 compliance codes accordingly ( e.g., marking as disputed or removed ). 
Additionally, this dispute implicates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to the extent that these inquiries may relate to debt collection activities. If these pulls were for collection purposes without validation of the underlying debt or my consent, they violate FDCPA 1692c ( b ) regarding unauthorized third-party communications. However, my primary claim is under FCRA for lack of permissible purpose.

Requested Actions * Investigate and Verify : Contact the furnishers ( XXXX XXXX XXXX ) and require them to provide documented proof of permissible purpose, such as a signed application or recorded consent. Automated affirmations via E-OSCAR without substantive evidence are insufficient ; a manual review is necessary to ensure compliance. 
* Delete if Unverifiable : If the furnishers fail to verify within the statutory timeframe, permanently delete these inquiries from my credit report under FCRA 1681i ( a ) ( 5 ).

* Block Future Reporting : Instruct the furnishers to cease reporting these inquiries and update their Metro 2 files to reflect the deletion. 
* Provide Updated Report : Send me a free updated copy of my credit report showing the deletions, along with a description of the investigation procedures used ( FCRA 1681i ( a ) ( 6 ) ).

* Notify Other Bureaus : If applicable, notify XXXX XXXX XXXX  of the deletions under FCRA 1681i ( d ).

Failure to comply with these FCRA requirements may result in liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under FCRA 1681n and 1681o. I am keeping detailed records of this correspondence and may pursue legal remedies if this dispute is not resolved properly. 
Please acknowledge receipt of this dispute within 5 days and provide your investigation results within 30 days. If you need additional information, contact me at the above phone number or email. 
Sincerely,

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