Consumer complaint received 2025-07-05 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: KY

Complaint narrative:
Subject : Formal Dispute and Request for Blocking of Fraudulent Credit Inquiries under 15 U.S.C. 1681c2 I am writing to formally dispute and request the immediate blocking and permanent removal of multiple fraudulent credit inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and are the result of identity theft, as supported by the enclosed FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ). 

Pursuant to 15 U.S.C. 1681c2, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information resulting from identity theft within four business days of receipt. These unauthorized hard inquiries were not initiated or authorized by me and therefore must be treated as fraudulent activity. 

Furthermore, under 15 U.S.C. 1681b, credit inquiries must only be made for a permissible purpose. When a business accesses a consumers credit report without a permissible purpose or without the consumers knowledge and consent, it constitutes a violation of federal law. Each unauthorized inquiry represents a willful breach of my privacy rights and constitutes an illegal access to my personal credit file.

The following inquiries must be blocked and removed from my credit report immediately : TRANSUNION XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated attempts to resolve this matter with your bureau, including phone calls and written communications, no adequate resolution has been provided. These inquiries are negatively affecting my ability to secure housing and meet essential family needs. I have also contacted the creditors involved and requested proof of any authorization bearing my signature ; none has been provided within the 60-day legal timeframe. 

As required by law, please block and remove these fraudulent inquiries from my credit report. Under the FCRA, this information must be suppressed for a minimum of one year, with the option for me to request an extension. During this period, you are prohibited from reporting this information or re-inserting it unless I provide documented consent.

I expect written confirmation that these inquiries have been removed within the timeframe required by federal law. Please handle this matter with urgency, and do not hesitate to contact me if you require additional documentation.

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