Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This letter serves as a formal notice demanding the immediate removal of several unauthorized inquiries listed on my credit report. These inquiries were made without my consent or any valid permissible purpose, thereby constituting a violation of multiple federal laws protecting consumer rights. 

XXXX. XXXXXXXX XXXX XXXX  ( Bank ) - XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Miscellaneous ) - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX ( XXXX ) - XX/XX/XXXX Your agency is violating the following federal laws : XXXX. Supremacy Clause According to the Supremacy Clause, federal laws take precedence over state laws and corporate policies. Your agency is legally obligated to comply with federal regulations regarding credit reporting and consumer privacy, rendering any conflicting state law or internal policy secondary and non-applicable. 
XXXX. 15 U.S.C 1681 ( a ) ( 4 ) This statute emphasizes the protection of consumer privacy. The inclusion of unauthorized inquiries on my credit report represents an invasion of my privacy, violating this statute. Consumers have an absolute right to maintain the confidentiality of their personal information. 
XXXX. 5 U.S.C 552a ( b ) No agency is permitted to disclose personal information without the written consent of the individual involved. These unauthorized inquiries were made without my explicit consent, constituting a direct violation of this provision. 
XXXX. 15 U.S.C 1681b ( a ) ( 2 ) This law requires a permissible purpose for furnishing a credit report. I did not provide any such permissible purpose for these inquiries, making them unauthorized and illegal under this statute. 
XXXX. 15 U.S.C 1681b ( c ) ( 3 ) During my recent investigation into these erroneous inquiries, your agency incorrectly advised me that the law mandates the inclusion of these inquiries. This is a misrepresentation of the law, which clearly states that you " shall not furnish to any person a record of inquiries '' without permissible purpose. Consequently, these inquiries must be removed immediately. 
XXXX. 15 U.S.C 1681a ( d ) ( 2 ) ( i ) According to this provision, a consumer report does not include any report containing transactional or experiential information. The unauthorized inquiries in question should not be included in my credit report. 

In light of these clear legal violations, you are required by law to take the following action : XXXX. Remove the unauthorized inquiries listed above from my credit report. 
XXXX. Provide a confirmation letter stating that the inquiries have been removed. 
XXXX. Rectify my credit report to ensure it no longer includes these unauthorized inquiries. 

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the relevant statutes. Unauthorized inquiries significantly impact my creditworthiness and overall financial health, and your prompt compliance is not only expected but mandated.

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