Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
NATURE OF COMPLAINT I am filing this formal complaint against TransUnion LLC for their failure to remove unauthorized credit inquiries from my credit report despite my submission of proper documentation, including an FTC identity theft report. 
DETAILED DESCRIPTION OF ISSUE TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to investigate and remove fraudulent/unauthorized credit inquiries from my credit report. Despite providing proper documentation including my FTC Identity Theft Report # XXXX dated XX/XX/XXXX, TransUnion continues to report the following unauthorized inquiries : Unauthorized Credit Inquiries : XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX ( duplicate entry ) MILESTONE - XX/XX/XXXX XXXX XXXX  via XXXX XXXX  - Multiple dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Additional Identity Theft Documentation from FTC Report # XXXX : The following companies conducted unauthorized credit inquiries and/or opened fraudulent accounts as documented in my official FTC Identity Theft Report : XXXX XXXX ( Tropical Chevrolet ) - Fraudulent auto loan inquiry, fraud began XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Fraudulent auto loan inquiry, discovered XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent auto loan inquiry, discovered XX/XX/XXXX XXXX XXXX XXXX Fraudulent personal/business loan inquiry, discovered XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) - Fraudulent personal/business loan inquiry, discovered XX/XX/XXXX XXXX  ( XXXX XXXX ) - Listed as fraudulent credit inquiry in FTC report XXXX XXXX XXXX - Listed as fraudulent credit inquiry in FTC report XXXX XXXX XXXX - Listed as XXXX XXXX XXXX XXXX FTC report My FTC report also documents fraudulent XXXX information including an unauthorized address : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
ACTIONS TAKEN I submitted FTC Identity Theft Report # XXXX on XX/XX/XXXX I provided this official documentation to TransUnion for investigation I formally disputed these unauthorized inquiries with TransUnion using my FTC report TransUnion has failed to remove these inquiries despite clear federal documentation of identity theft I discovered most of these fraudulent activities in XX/XX/XXXX and have been working to resolve them for over 8 months VIOLATIONS OF LAW TransUnion 's actions constitute violations of : Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ) - Failure to block reporting of information identified in identity theft reports FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting inaccurate information FCRA Section 611 ( a ) ( 1 ) - Failure to conduct reasonable investigation of disputed information HARM SUFFERED These unauthorized inquiries have : Damaged my credit score and creditworthiness Prevented me from obtaining credit on favorable terms Caused ongoing financial harm and stress Violated my privacy and credit security RELIEF REQUESTED I request that the CFPB : Investigate TransUnion 's failure to comply with FCRA requirements regarding identity theft reports Order TransUnion to immediately remove all unauthorized inquiries listed above from my credit report Require TransUnion to provide written confirmation of removal to all three credit bureaus Impose appropriate penalties for TransUnion 's violations of federal law Order TransUnion to implement proper procedures for handling identity theft reports Provide monetary compensation for damages caused by their non-compliance SUPPORTING DOCUMENTATION I have retained copies of : FTC Identity Theft Report # XXXX dated XX/XX/XXXX ( attached ) TransUnion credit reports showing unauthorized inquiries Correspondence with TransUnion regarding disputes Documentation proving I did not authorize these credit inquiries Evidence of fraudulent address ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ) appearing on credit reports REQUESTED RESPONSE I request a thorough investigation of this matter and appropriate enforcement action against TransUnion. I am prepared to provide additional documentation as needed to support this complaint. 
TransUnion 's failure to comply with federal law regarding identity theft reports is unacceptable and harms consumers who are already victims of identity theft. I trust the CFPB will take swift action to ensure TransUnion complies with their legal obligations. 
Thank you for your attention to this serious matter.

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