Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently pulled a copy of my TransUnion credit report. The credit report showed several credit inquiries that I do not recall authorizing. I contacted the creditors below, and they have NO Proof I initiated such inquiries nor written authorization and have failed to provide any Permissible Purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these UNAUTHORIZED inquiries from my credit report immediately as there is NO EVIDENCE of any authorization nor any permissible purpose. Let me remind you that the Fair Credit Reporting Act ( FCRA ) mentions absolutely NOTHING about a credit inquiry must stay on a consumer report for two years! There is nothing in the FCRA that supports this claim! Is this a court of law or XXXX, TransUnion, or XXXX making up their own rules and their procedures. Either remove it, or Im taking higher actions. If you Violate, you Compensate! 

I called XXXX XXXX and they specifically told me that this inquiry was unauthorized and it's already been removed from the other bureaus, but you guys haven't removed it. Your agency is in violation of the Fair Credit Reporting Act and for reporting inaccurate information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U. S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer. Under 15 U. S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE. There was No Firm Offer of Credit for employment, insurance, or court order. The burden of proof is on you that I applied for credit. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. TransUnion, there is no difference between a soft pull and a hard pull under the law. Different scoring models may treat them differently.

There are rules about pulling a consumers credit report. The law doesnt care about a soft or hard pull. It talks about pulling the credit report and it must be for a Permissible Purpose. Examples of permissible purposes include subpoenas or court orders, firm offer of credit, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. See 15 U.S. Code 1681b - Permissible purposes ofconsumer reports are necessary to protect the consumer information and privacy as established by the FCRA. The FCRA, through the permissible purpose, also requires consumer reporting agencies to set polices and requirement to comply with the act.

The following inquiries are UNAUTHORIZED AND INACCURATE, REMOVE & DELETE THESE INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY! 
XXXX XXXX - XX/XX/year> Once again, I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT FILE. IN ADDITION, I DID NOT GIVE YOU XXXX, TRANSUNION, XXXX  PERMISSION TO FURNISH THIS INFORMATION ON MY CREDIT REPORT. THIS IS A VIOLATION OF THE FCRA SECTION 1681b ( c ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS. DELETE THIS UNCONFIRMED INQUIRY lacking CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERIFIED PROOF is demonstrative per U. S. Code 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. PLEASE PROVIDE PROOF of PERMISSIBLE PURPOSE BY FURNISHING TO ME DOCUMENTATION OF CREDIT APPLICATION WITH PROOF OF SIGNATURE SHOWING I INDEED APPLIED FOR CREDIT WITH THIS COMPANY ; OTHERWISE, DELETE THE ALLEGED INQUIRIES IMMEDIATELY. 

I DEMAND YOU, TransUnion, TO PRODUCE A CONTRACT BETWEEN YOU AND I PLUS THE CONSUMER BEARING MY SIGNATURE SHOWING THAT I GAVE YOU PERMISSION TO FURNISH ANY INFORMATION ON MY BEHALF. IN THE ABSENCE OF ANY SUCH DOCUMENTATION BEARING MY SIGNATURE, I FORMALLY REQUEST THAT THIS UNAUTHORIZED INQUIRY BE IMMEDIATELY DELETED FROM THE CREDIT FILE YOU MAINTAIN UNDER MY SOCIAL SECURITY NUMBER.

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