Consumer complaint received 2025-11-23 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: NE

Complaint narrative:
I am filing this formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. Despite my rights as a consumer and my status as a documented victim of identity theft, TransUnion continues to report unauthorized and fraudulent inquiries on my credit file. These inquiries are directly tied to an identity theft incident documented in my FTC Identity Theft Report ( Report XXXX. XXXX, filed on XX/XX/year> ). 

TransUnion has failed to protect my consumer rights, failed to verify the inquiries, and failed to remove information that is clearly the result of identity theft. 

Fraudulent & Unauthorized Inquiries Reported by TransUnion These inquiries were NOT made or authorized by me and have NO permissible purpose, making them illegal under federal law : Disputed Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were made without my knowledge, without my authorization, and without any permissible purpose as required by federal law. 

Legal Violations Committed by TransUnion FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purposes TransUnion is forbidden from reporting inquiries unless there is a lawful, verifiable business purpose.

These inquiries do not meet ANY permissible purpose and th
erefore violate federal law.

FCRA 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) Right to Know Source of Information I requested proof of authorization and the source of these inquiries.

TransUnion failed to provide adequate documentation or evidence.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate Upon dispute, TransUnion is required to conduct a reasonable reinvestigation. 
No valid verification has been provided, and the inquiries remain unlawfully on my file.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity Theft Blocking As a documented victim of identity theft, TransUnion must block fraudulent information within 4 business days of receiving my FTC Identity Theft Report. 
TransUnion failed to do so, constituting a serious violation. 

Business and Personal Harm Caused I am currently in the process of closing a major business transaction, and these fraudulent inquiries are : Damaging my credibility Interfering with my financial opportunities Causing emotional and financial harm Creating unnecessary obstacles in my business and personal life The presence of fraudulent inquiries on my credit report is unacceptable, harmful, and unlawful.

Demand for Immediate Action I am demanding that TransUnion immediately delete all of the fraudulent inquiries listed above.

Failure to comply will constitute a continued, willful violation of federal law, exposing TransUnion to liability for : Emotional distress Financial harm Loss of business opportunities Statutory and punitive damages under the FCRA I expect full compliance and written confirmation once the fraudulent inquiries have been deleted.

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