Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
TransUnion : I dispute the accuracy and permissible purpose of the following inquiry and demand deletion unless independently verified with documentary evidence : Challenged entry ( as reported by TransUnion ) : XXXX XXXX, personal XX/XX/XXXX TransUnion. 
Inquiries have no late months. My challenge concerns permissible purpose, classification ( hard vs. soft ), and industry/type labeling. Under FCRA 607 ( b ) you must assure maximum possible accuracy; under FCRA 611 / 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 5 ) ( A ) you must conduct an independent reinvestigation and delete unverifiable information. Codes are not proof. See Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. XXXX ). 
Produce all of the following within the reinvestigation period : 1. The signed or digital application/consent authorizing this pull on or about XX/XX/XXXX ; 2. The permissible purpose asserted ( 15 U.S.C. 1681b ( a ) ) and the exact PP code used ; 3. The hard/soft basis and your industry/type code assigned ; 4. The subscriber ID and system audit log linking my application to this inquiry ( date/time/IP or dealer/terminal ID ). 
If you can not verify to that evidentiary standard, you must delete this inquiry under 1681i ( a ) ( 5 ) ( A ). Continued reporting absent proof will trigger CFPB/FTC/Missouri AG complaints an

d my intent to sue under 15 U.S.C. 616617. Reg V, 12 C.F.R. 1022.42 also obligates accuracy and proper procedures by users/furnishers. Enclosures : Government ID ; proof of address ; highlighted TransUnion inquiry page ( showing XXXX XXXX XXXX 
Signature : ______________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TransUnion ) RE : Deletion demanded XXXX XXXX XXXX  hard inquiry dated XX/XX/XXXX Challenged entry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion. 
Same legal bases and demands as above. Note : the vague/overbroad industry label is misleading under 607 ( b ). Codes are not proof. Delete if not verified with the signed authorization, PP code, audit log, and hard/soft rationale.

Enclosures and signature : same as XXXX XXXX XXXX ( with this inquiry highlighted ). 
XXXX ) XXXX XXXX XX/XX/XXXX ( TransUnion ) RE : Deletion demanded XXXX XXXX hard inquiry dated XX/XX/XXXX Challenged entry : XXXX XXXX XXXX XX/XX/XXXX TransUnion. 
Dealer/auto pulls require a signed credit application on that date. Provide signed consent, PP code, hard/soft basis, subscriber ID, and audit trail. Otherwise delete under 1681i ( a ) ( 5 ) ( A ).

Cushman prohibits parroting ; codes are not proof. 
Enclosures/signature : as above. 
XXXX ) XXXX XXXX XX/XX/XXXX ( TransUnion ) RE : Deletion/correction demanded XXXX XXXX XXXX XXXX XX/XX/XXXX Challenged entry : XXXX XXXX XXXX XXXX  and XXXX / entertainment companies XX/XX/XXXX TransUnion. 
This industry/type label is false/misleading ( auto finance credit card/T & E ) , XXXX XXXX XXXX XXXX ). Provide signed authorization, PP code, hard/soft basis, subscriber ID, audit log, and correct the industry/type or delete. Codes are not proof. Cushman applies.

Enclosures/signature : as above. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ) RE : Deletion/correction demanded XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Challenged entry : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion. 
Mislabeling ( industry/type ) and lack of proven 604 ( a ) purpose. Provide signed app, PP code, audit log, hard/soft basis ; otherwise delete. 607 ( b ), 611 ; Reg V ; Cushman. Codes are not proof.

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