Consumer complaint received 2025-11-15 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:
Complaint Summary I am filing this complaint because multiple companies accessed my credit report without any permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

The inquiries listed below do not relate to any application, account, contract, or credit request made by me. There is no written authorization, no existing relationship, and no legitimate business need. Each inquiry constitutes an impermissible access and a privacy violation. 

The credit bureaus have continued reporting these inquiries after I disputed them, despite failing to obtain documented proof of authorization from the furnishers, which is required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( B ).

Under FCRA 607 ( a ), the bureaus must follow reasonable procedures to ensure my file is accurate and only accessed with proper authorization. These procedures failed. 


List of Unauthorized Inquiries ( You can paste this directly as XXXX block inside the CFPB form ) XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX Experian None of these entities have presented any documentation that I requested this credit, applied for a vehicle, signed any terms, or authorized a hard inquiry. 


Specific FCRA Violations XXXX. FCRA 604 ( a ) ( 2 ), ( 3 ) The furnishers accessed my report without : my written consent an application a credit request an existing account any legitimate business need This makes the access impermissible under federal law. 

XXXX. FCRA 611 ( a ) ( 1 ) ( A ) I disputed these inquiries. The bureaus failed to conduct a reasonable reinvestigation. 

XXXX. FCRA 611 ( a ) ( 2 ) ( B ) The bureaus did not obtain and provide me evidence of authorization from the furnishers. 

XXXX. FCRA 607 ( a ) The bureaus did not follow reasonable procedures to ensure the inquiries were lawful and accurate. 

These are direct statutory violations.

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