Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this final enforcement request regarding [ Experian/XXXX/TransUnion ] s refusal to remove unauthorized inquiries from my credit report despite my previous CFPB complaint.

In my initial CFPB complaint, I formally disputed multiple unauthorized hard inquiries, which were added to my credit report without my consent. Despite FCRA requirements, the credit bureau ( s ) refused to remove the inquiries and stated that they must remain for two yearsthis response is unlawful and contradicts the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681b ).

Since my prior complaint, the credit bureaus have failed to remove the unauthorized inquiries, making them legally liable under the FCRA.

Why These Inquiries Must Be Deleted Now FCRA 15 U.S.C. 1681b ( Permissible Purpose ) : A credit reporting agency may NOT include a hard inquiry on my credit report unless there is a legally valid reason for doing so.

I did NOT authorize these inquiries, and the companies that requested them have failed to provide signed proof of authorization.

FCRA 15 U.S.C. 1681i ( Dispute & Reinvestigation Process ) : The credit bureaus are required to conduct a reasonable investigation and provide proof of authorization when a consumer disputes an inquiry.

If they can not provide a signed authorization, the inquiries must be deleted.

Credit Bureaus Are Now in Willful Non-Compliance : Since I have already filed a formal complaint and the credit bureaus refused to act, they are now in willful violation of the FCRA.

This means I have the legal right to seek damages of {$1000.00} per violation under FCRA 15 U.S.C. 1681n.

Unauthorized Inquiries That Must Be Removed Immediately Creditor Name Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FINAL DEMAND CFPB ENFORCEMENT REQUIRED Since the credit bureaus have already refused to delete these inquiries, the CFPB must immediately enforce the following actions : 1 Immediately require the credit bureaus to delete all unauthorized hard inquiries from my credit report.

2 Provide written confirmation that these inquiries have been permanently removed.

3 Ensure that the credit bureaus provide proof of permissible purpose for any future inquiries before allowing them to report.

If This Is Not Resolved Within 10 Days, I Will Take the Following Actions : File a federal lawsuit against the credit bureaus for FCRA violations, seeking statutory damages ( {$1000.00} per violation ), actual damages, and legal costs.

File a Federal Trade Commission ( FTC ) complaint against all credit bureaus involved for willful non-compliance.

Submit a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) demanding further legal action.

Seek a consumer protection attorney to initiate a class-action lawsuit against the credit bureaus for widespread FCRA violations .

DEADLINE FOR CFPB ENFORCEMENT : 10 DAYS FROM RECEIPT Failure to comply will result in legal action. I expect an immediate response in writing confirming the deletion of these inquiries.

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