Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX Transunion Attn : Fraud Department XXXX. XXXX XXXX XXXX, PA XXXX Transunion, This letter serves as a formal request for investigation and removal of an unauthorized hard inquiry that appears on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681b ( FCRA Section 604 ), no entity may obtain my credit report without a permissible purpose. Upon reviewing my report, I discovered unauthorized inquiries from : Company Name : 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 XXXXate of Inquiry : XX/XX/XXXX Demand for Immediate Deletion I never authorized or initiated any transaction with this company that would permit a hard inquiry. Therefore, I demand that the credit bureau and the furnisher of this inquiry provide verifiable proof of my consent, including : 1. A signed credit application containing my wet ink signature ( electronic signatures are NOT acceptable ), 2. A recorded authorization, or 3. Any legally binding document explicitly granting permission to access my credit report.

If such proof can not be provided within 72 hours, the inquiry must be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Legal Violations and Non-Compliance Consequences This inquiry constitutes a direct violation of federal law, including : 15 U.S. Code 1681b ( f ) Credit reporting agencies must only furnish reports with a permissible purpose.

15 U.S. Code 1681q Obtaining a consumer report under false pretenses is a federal offense.

15 U.S. Code 1681s-2 ( b ) Furnishers must properly investigate disputed inquiries.

15 U.S. Code 1681c-2 If this inquiry resulted from fraud or identity theft, I demand its immediate removal, as required by law.

Failure to remove this inquiry or provide valid proof within 72 hours will result in the following actions : 1. A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office against your agency and the entity responsible for the unauthorized inquiry.

2. Legal action for the unauthorized access of my credit file, seeking statutory damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs under FCRA 1681n.

3. A small claims or federal lawsuit against the credit bureau and the company that made the inquiry for noncompliance with the FCRA.

Demand for Written Confirmation & Investigation Results As required under 15 U.S. Code 1681e ( a ), credit reporting agencies must ensure that inquiries are made only with a permissible purpose. I demand proof that you verified this entitys legal authority to access my report.

Additionally, under 15 U.S. Code 1681i ( a ) ( 6 ), I demand a copy of the investigation results, including the name of the individual who verified the inquirys legitimacy.

Deadline for Compliance & Certified Mail Request I demand that : This unauthorized inquiry be deleted within 72 hours, and I receive written confirmation of its permanent removal via certified mail.

If this inquiry is not removed, I require a detailed written explanation, including proof of permissible purpose and how you verified its legitimacy.

Supporting Documents Attached To verify my identity, I have included : A copy of my credit report with the disputed inquiry highlighted.

A copy of my drivers license, state ID, or government-issued ID for identity verification.

A copy of my Social Security card for additional verification.

An Identity Theft Affidavit filed with the FTC CC : Regulatory Agencies for Oversight This dispute has also been copied to the following regulatory agencies for documentation and oversight : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) This is a formal dispute under the Fair Credit Reporting Act. I fully expect compliance with federal law and immediate resolution. 

Sincerely, 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