Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
EXPEDITED REQUEST FOR REGULATORY ENFORCEMENT Subject : URGENT : IMPROPERLY VERIFIED UNAUTHORIZED INQUIRIES - PERMISSIBLE PURPOSE VIOLATIONS Complainant Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX IMMEDIATE ACTION REQUIRED : PREVIOUSLY VERIFIED UNAUTHORIZED INQUIRIES I am requesting EMERGENCY regulatory action regarding extensive unauthorized hard inquiries on my XXXX credit report. These inquiries were previously improperly " verified '' by XXXX despite clear evidence they violate the permissible purpose requirements of the FCRA. 
My active positive accounts on XXXX are : XXXX XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX ( rental ) DEPT OF ED XXXX XXXX XXXX ) None of the inquiries listed below correspond to these active positive accounts, proving they were made without proper authorization. Despite this fact, XXXX has improperly " verified '' these inquiries with the blanket statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE. '' CLEAR EVIDENCE OF FCRA VIOLATIONS The following inquiries do NOT correspond to any active positive accounts on my credit report, proving they were made without proper authorization and lack permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPECIFIC FCRA VIOLATIONS PERMISSIBLE PURPOSE VIOLATION ( 15 U.S.C. 1681b ( f ) ) : " A person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. '' The pattern of multiple inquiries on identical dates PROVES these entities accessed my credit without separate authorization for each inquiry. None resulted in active positive accounts on my credit report.

REASONABLE PROCEDURES VIOLATION ( 15 U.S.C. 1681e ( a ) ) : XXXX has failed to maintain reasonable procedures to limit the furnishing of consumer reports to the purposes listed under section 1681b.

FAILURE OF REINVESTIGATION ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : XXXX previously " verified '' these inquiries without conducting the proper investigation required by law. Their response stated only that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This generic response proves they failed to investigate whether each inquiry had proper permissible purpose and authorization. 

URGENT ACTION REQUIRED Due to a pending mortgage application with XX/XX/XXXX deadline, I request : IMMEDIATE 72-HOUR REVIEW of these unauthorized inquiries COMPLETE REMOVAL of ALL unauthorized inquiries listed above that do not correspond to my active accounts REGULATORY ACTION against XXXX for XXXX Failing to maintain reasonable procedures Improperly " verifying '' inquiries without investigating permissible purpose Using blanket statements rather than conducting proper investigations FAIR RESOLUTION REQUEST The only fair resolution is : Complete removal of ALL unauthorized inquiries listed above that do not correspond to my active positive accounts Updated credit score calculation following removal Proper documentation of how XXXX determined each inquiry had proper authorization Implementation of procedures to prevent future unauthorized access I previously disputed these inquiries and XXXX improperly XXXX verified '' them without investigating whether each company had permissible purpose and my specific authorization. This represents a failure to comply with the reinvestigation requirements of the FCRA. 
Sincerely, XXXX XXXX XXXX NOTE : The extensive pattern of multiple inquiries on identical dates provides objective evidence of unauthorized access. No consumer would authorize this many credit pulls, particularly multiple pulls on the same day from different companies.

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 non-monetary relief