Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am filing this complaint because Experian, TransUnion, Equifax has failed to remove multiple unauthorized and duplicate hard inquiries from my credit report, despite my formal dispute and affidavit. 
Specifically, the inquiries listed below were : Not authorized by me under FCRA 604 Not initiated by any credit application I made In some cases, duplicated by the same company within a 48-hour window, which appears to be excessive or improper use of my credit file I sent a written dispute to Experian, TransUnion, Equifax with supporting documentation ( including my ID, proof of address, and annotated report ), but these inquiries remain. I have also disputed multiple times through each of these bureaus ' websites with each bureau confirming the legitimacy of these inquiries. These unapproved or excessive inquiries negatively affect my credit score and violate my rights under the Fair Credit Reporting Act.

I am requesting that Experian, TransUnion, Equifax immediately delete these inquiries and provide written confirmation of the correction. I am also requesting that CFPB investigate Experian, TransUnion, Equifax 's failure to comply with FCRA regulations regarding consumer authorization and proper investigation timelines. 

Below is a list of the disputed inquiries : XXXX. EXPERIAN XXXX XXXXXXXX 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 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 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 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 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 I provided supporting documentation including my ID, proof of address, and highlighted reports showing the discrepancies. TransUnion responded that the inquiries were accurate but they failed to explain the duplication, the cross-report mismatches, and did not verify my authorization under FCRA 604. In addition, TransUnion continues to list these under Regular Inquiries, while Experian and Equifax identify them as hard inquiries, causing damage to my credit profile and score.

I am requesting the CFPB require the three credit bureaus to : -Remove all unauthorized and duplicated inquiries - Investigate the validity and authorization of each listed inquiry - Ensure all old inquiries older than two years are removed - Provide a written resolution and explanation These entries are unfairly affecting my life and violating my rights under the Fair Credit Reporting Act ( FCRA ).

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