Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
To : TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Unauthorized Credit Inquiries ( Permissible Purpose Violation ) CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am formally disputing several unauthorized and unlawful credit inquiries reporting on my TransUnion credit file. I NEVER applied for credit with the companies listed below, and I NEVER provided verbal, written, electronic, or implied permission for these entities to access my consumer report. 
Unauthorized Inquiries to Be Removed Immediately XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were obtained without a permissible purpose, in direct violation of federal law. 
PERMISSIBLE PURPOSE LAW ( FCRA 604 ) Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report to an entity with a valid, consumer-initiated permissible purpose.

I did not initiate any application, business transaction, or credit request with the companies above ; therefore, no permissible purpose existed for these inquiries.

This makes these inquiries unlawful, unauthorized, and a direct violation of my federal rights. 
FCRA VIOLATIONS FCRA 604 ( a ) : My report may only be accessed with my direct consent or a consumer-initiated transaction. These companies had no such authority.

FCRA 607 ( a ) : TransUnion must maintain strict procedures to ensure reports are only furnished for permissible purposes. Allowing unauthorized access violates this duty. FCRA 611 ( a ) : When a consumer disputes inaccurate or unauthorized information, TransUnion must conduct a reasonable reinvestigation and delete any unverifiable data within 30 days. FCRA 616617 : Willful or negligent noncompliance with the above requirements makes TransUnion legally liable for damages.

FACTA IDENTITY-THEFT PROTECTIONS The Fair and Accurate Credit Transactions Act ( FACTA ) requires consumer reporting agencies to block, suppress, and remove any information that may be connected to identity theft or unauthorized access. These inquiries clearly fall into this category.

DEMAND FOR IMMEDIATE ACTION I am demanding the following : Immediate removal and permanent deletion of all three unauthorized inquiries.

Written confirmation that these inquiries were deleted.

A detailed explanation of the alleged permissible purpose claimed by each companyif anyalong with copies of any certifications or documentation ( required by FCRA 609 ( a ) ( 1 ) ).

Placement of a fraud alert on my file to restrict future unauthorized access.

Because these inquiries violate federal law and were obtained without my consent, I am demanding that TransUnion remove them immediately, not at the end of the 30-day window.

If TransUnion fails to comply, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement and seek remedies for willful noncompliance under FCRA 616617.

Sincerely, XXXX 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 non-monetary relief