Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Violated FCRA 1681b, 609, 611, 623 and Ignored Cease-and-Desist Order. TransUnions handled of my prior CFPB case ( # XXXX ) involving multiple unauthorized hard inquiries reported on my TransUnion credit file. Immediate Deletion Required Under 611 ( a ) ( 5 ) ( A ) TransUnion delayed almost 60 days before closing the case with a boilerplate claim that my request did not come from me. That is false. I personally submitted the dispute through verified channels and provided identifying information that TransUnion had already authenticated. This evasive tactic violates the Fair Credit Reporting Act ( FCRA ) and demonstrates bad-faith obstruction.

Despite receiving a formal cease-and-desist notice, TransUnion continued publishing and furnishing the following unverified inquiries : XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> and XX/XX/year> ) XXXX  ( XX/XX/year> ) To date, TransUnion has not produced any of the documentation required by federal law : Proof of permissible purpose for each inquiry under 15 U.S.C. 1681b ( a ) ; Signed credit applications or written authorization permitting the pulls ; Names and contacts of verifying parties under 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ) ; Proper notation showing the items as disputed under 623 ( a ) ( 3 ) ; and Deletion within four ( 4 ) business days after failure to verify, as required by 611 ( a ) ( 5 ) ( A ).

By continuing to display and furnish these inquiries after receiving a lawful cease-and-desist, TransUnion violated FCRA 623 ( a ) ( 3 ) and FDCPA 1692c ( c ). These actions constitute both willful and negligent non-compliance under FCRA 616617.

As an active-duty servicemember, unauthorized access to my credit file also infringes on the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ) and the Military Lending Act ( 10 U.S.C. 987 ). TransUnions neglect to protect my data, honor statutory deadlines, or cease publication of disputed information has caused measurable damage to my credit profile and financial reputation.

Resolution Immediate deletion within four ( 4 ) business days of all unauthorized and unverifiable inquiries listed above, as mandated by FCRA 611 ( a ) ( 5 ) ( A ).

Written confirmation that TransUnion has complied with the 4-day deletion rule and permanently removed these inquiries from my credit file.

Formal acknowledgment that TransUnion violated my cease-and-desist order and failed to verify any permissible purpose under 1681b ( a ).

Assurance that TransUnion will cease and desist from any future reporting or file access without my written authorization.

The law is unambiguous : once information can not be verified, it must be deleted within four business days. TransUnions delays, refusal to validate, and disregard for a cease-and-desist letter are clear violations of federal law. I am requesting that the CFPB enforce immediate deletion and take appropriate action against TransUnion for continued non-compliance.

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