Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries Request for Removal Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report. These inquiries were made without my authorization, and I have not applied for credit with these institutions. As these inquiries are negatively affecting my credit score, I am requesting their immediate removal. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX Equifax - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion  XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX - Experian XXXX XXXX XXXX XXXX - TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion - XXXX XXXX XXXX XXXX TransUnion - XXXX XXXX XXXX Experian - XXXX XXXX XXXX TransUnion - XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax - XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXransUnion - XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion - XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), unauthorized or erroneous inquiries must be removed from my credit file upon request. I have already attempted to resolve this issue directly with the credit bureaus ( Experian, Equifax, and TransUnion ), but these inquiries have not been removed, which is why I am escalating this matter to the CFPB.

Requested Resolution I request that CFPB intervenes in this matter and directs the credit bureaus to : Immediately remove all unauthorized hard inquiries listed above.

Provide written confirmation that these inquiries have been removed.

Ensure that my credit report reflects only valid and authorized inquiries.

Supporting Documents I have attached : Screenshots of my credit report showing the disputed inquiries.

Copies of my previous disputes with the credit bureaus.

Any relevant correspondence with the credit reporting agencies.

I appreciate your prompt attention to this matter and look forward to a resolution.

Best regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX 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