Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
File number - XXXX CFPB Complaint Unauthorized Hard Inquiries To Whom It May Concern, I am submitting this complaint regarding multiple unauthorized hard inquiries that have been reported on my credit file without my knowledge or consent. These inquiries are harming my credit standing and were not authorized by me in connection with any credit application. 



Consumer Information Full Name : [ XXXX XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] SSN ( last XXXX ) : [ XXXX ] Current Address : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Phone : [ XXXX ] Email : [ XXXX ] Complaint Summary Upon reviewing my credit report, I discovered several hard inquiries from financial institutions, auto lenders, and banks that I never applied with. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a hard inquiry may only be made with my explicit authorization in connection with a bona fide credit transaction. These companies have failed to demonstrate a permissible purpose under the FCRA. 



Unauthorized Hard Inquiries The following companies have reported inquiries on my credit file without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize these companies to access my credit file. I have not submitted credit applications with many of these entities, nor was I informed that multiple institutions would be pulling my credit report. 
Legal Basis Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( a ) ( 3 ) limits when a consumer reporting agency may furnish a consumer report, requiring a permissible purpose.

15 U.S.C. 1681b ( f ) states that a person may not obtain a consumer report unless it is for a permissible purpose and with consumer authorization.

These inquiries were made without permissible purpose or valid authorization, and therefore are in violation of the FCRA. 



Requested Resolution 1.That the CFPB investigate these unauthorized inquiries with the reporting credit bureaus and the creditors listed.

2.That each of the above-listed hard inquiries be permanently removed from my credit report.

3.That confirmation of removal be provided to me in writing.

4.That any entity found in violation of FCRA be held accountable for improper access to my credit file.

Declaration I affirm that the above information is true and correct to the best of my knowledge. I did not authorize these inquiries, and I request immediate investigation and removal. 

Respectfully, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX

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