Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
As someone who takes their financial and credit profile extremely seriously, I have always gone above and beyond to ensure that my credit reports remain accurate, up-to-date, and completely error-free. Ive proactively reviewed my reports on a consistent basis, immediately disputed any inaccuracies I discovered, and have had them removed in accordance with the law. Ive even attached a copy of my credit report to this complaint to show the extent to which Ive maintained its integrity everything on it had been verified, consistent, and in line with my actual financial history. Thats why I was absolutely stunned to discover that my TransUnion credit report now reflects a disturbing number of unauthorized hard inquiries and multiple inaccurate entries that I did not initiate, authorize, or consent to in any capacity. 

I never submitted applications to many of these entities. I never gave permission to pull my credit. I did not authorize any third-party services or monitoring programs that would warrant these repeated and excessive inquiries. The fact that these entries are showing up on my TransUnion file without any written, electronic, or verifiable consent from me is a direct violation of my rights under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681b, which limits when and how a consumer report may be accessed.

In addition to the multitude of hard inquiries showing from institutions like XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and more, Ive also found numerous duplicative and questionable entries, including multiple inquiries from TransUnion XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. These inquiries are not only excessive they are completely inaccurate and unverifiable. I never applied for credit with most of these entities, and none of these parties had any legitimate reason to access my report. Furthermore, I found several entries showing my personal name incorrectly tagged to suspicious third-party services and data aggregators a clear indication that TransUnion is failing to uphold its duty to ensure accurate and secure reporting. 

Among the most troubling entries are several that list my name XXXX XXXX in connection with services I have never used, including : XXXX XXXX via TRANSUNION XXXX XXXX, XXXX XXXX via XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX, XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via TRANSUNION XXXX XXXX and XXXX via XXXX. 

I have never authorized any of those third-party programs to access or furnish my information through TransUnion, and I have never subscribed to those services under any variant of my name. These entries are not only inaccurate they are a direct misrepresentation of my credit activity and a breach of my consumer rights. TransUnion has no justification for publishing this information, and to date, I have received no documentation proving a permissible purpose for any of these inquiries.

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