Consumer complaint received 2025-06-21 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: FC HoldCo LLC
State: NV

Complaint narrative:
TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries Violation of 15 U.S. Code 1681b and 1681n To Whom It May Concern, I am writing to formally dispute and demand the investigation and removal of unauthorized credit inquiries that appear on my consumer credit file. These inquiries were not authorized by me, nor were they the result of any credit application or transaction initiated by me.

According to 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report if the entity accessing the report has a permissible purpose, such as the consumer applying for credit or providing written consent. I have not provided such authorization to the companies listed below : Disputed Inquiries : 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 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 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 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 XXXXXXXX, XXXX These unauthorized inquiries may have occurred in error or as the result of potential identity theft. Regardless of cause, their presence on my report is unlawful without proper authorization and violates FCRA provisions. Furthermore, 15 U.S. Code 1681n holds any party liable for willful noncompliance with the FCRA, including actual damages, statutory damages, and possible punitive damages.

I am demanding that the following actions be taken immediately : Conduct a formal investigation into the source and legitimacy of these inquiries.

Remove any unauthorized or unverifiable inquiries from my credit report.

Provide written confirmation that these inquiries have been deleted or a documented justification proving they were made with a permissible purpose under 15 U.S. Code 1681b.

This letter serves as a formal dispute in accordance with the Fair Credit Reporting Act. Please respond with the results of your investigation within the 30-day time frame required by law. 
Sincerely, 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