Consumer complaint received 2025-11-17 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: AZ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX accessed my credit report without a lawful basis under the Fair Credit Reporting Act ( FCRA ). XXXX placed a hard inquiry on my credit profile even though no credit was approved, offered, or reviewed, and XXXX never became a creditor in any transaction involving me. 

I did not receive : a credit approval, a conditional approval, a funding decision, a contract offer, or any notification that XXXX intended to establish a financial relationship with me. 

This means XXXX had no legitimate reason to obtain my credit file. 

Why XXXX inquiry is unlawful under the FCRA Under FCRA 15 U.S.C. 1681b, a company may only access a consumers credit report when : XXXX the consumer directly applies for credit with that specific company, XXXX the company is actually evaluating a credit decision, or XXXX the consumer provides written authorization, XXXX or the company is reviewing or collecting an existing account. 

None of those apply here. 

I never applied directly with XXXX 

XXXX did not process, approve, or fund any credit request. 

XXXX  does not service any loan or account in my name. 

I did NOT give written authorization for them to pull my credit. 

Dealership submissions do not create automatic authorization for every financial institution that receives the application. 
A hard inquiry must be tied to an actual credit decision. 
XXXX did not make XXXX. 

Therefore, the inquiry was not permissible under FCRA. 

FCRA Violated GLSs actions violate the following provisions : 1681b ( f ) Prohibition on obtaining a report without permissible purpose 1681e ( a ) Duty to follow reasonable procedures 1681n Civil liability for willful violations 1681o Civil liability for negligent violations An inquiry can not be justified if : no credit was offered, no loan was issued, and no ongoing account exists. 

This is exactly what happened here. 

Potential Damages ( not yet being claimed ) Under the FCRA, consumers may recover : {$100.00} {$1000.00} per unauthorized inquiry ( statutory ) Actual damages ( credit score drop, higher interest rates, emotional distress, financial losses ) Punitive damages for willful violations Attorney fees and costs if litigation becomes necessary I am not requesting monetary damages at this time but am reserving that right. 

Requested Resolution I am asking that Global Lending Services : XXXX XXXX Remove the XXXX hard inquiry from all three credit bureaus Remove it WITH PREJUDICE Provide written confirmation once completed XXXX XXXX This is a simple and fair resolution that corrects the inaccuracy without escalation. 

If XXXX does not correct this, I am prepared to : file with state and federal regulators, open an FCRA demand letter, and pursue additional remedies allowed under federal law.

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 non-monetary relief