Consumer complaint received 2025-06-17 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:
I am filing this complaint because TransUnion has allowed numerous unauthorized hard inquiries to be placed on my credit report. These inquiries were made without my knowledge, consent, or written authorization, and they are negatively affecting my credit profile and score. 

In late XXXX and early XXXX, I began visiting car dealerships to inquire about auto financing options. I was extremely clear with every dealership I spoke to : they were not to run my credit unless I gave direct, written consent. I even withheld my Social Security number in several cases to avoid unnecessary pulls. Despite my instructions, multiple dealerships and lenders ran hard inquiries on my creditoften without my presence or permission. 

Whats more troubling is that some of these inquiries appear on the same day from different companies, which suggests that my personal information was likely shared or distributed without my consentpossibly a case of credit shotgunning by auto dealers. In some cases, the same companies pulled my credit multiple times, which I never approved. 

These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 604 ( a ) ( 2 ) : Credit reporting agencies may only furnish a consumer report with written instructions from the consumer. I never gave written or oral authorization to most of these entities.

FCRA 604 ( f ) : No person shall obtain a consumer report without a permissible purpose. These companies had no legitimate reason to access my credit.

FCRA 607 ( b ) : TransUnion must follow reasonable procedures to assure maximum possible accuracy. The presence of repeated, unauthorized inquiries shows a failure to follow such procedures.

FCRA 611 : I have the right to dispute inaccurate or unverifiable information. I formally disputed these inquiries, but TransUnion failed to provide any documentation proving that I authorized them.

The inquiries in question include : 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 XXXXXX/XX/XXXX I filed a formal dispute with TransUnion, but they failed to verify that these inquiries were authorized. No copies of signed applications or permission forms were provided. This lack of evidence demonstrates that these inquiries are unverifiable and should be deleted immediately.

Requested Resolution : I request the CFPB to compel TransUnion to either : Delete all of the above unauthorized inquiries, or If TransUnion is unable to provide such documentation, I am requesting immediate removal of all disputed inquiries from my credit report, as required under FCRA 611.

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