Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX XXXX XXXXTransUnion Consumer Solutions  XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Unauthorized Hard Inquiry and Identity Theft (XXXX XXXX XXXX Incident)  XXXXTo Whom It May Concern:  XXXXI am writing to formally dispute an unauthorized hard inquiry that appears on my TransUnion credit report. This inquiry was initiated by XXXX XXXX XXXX on XXXX XXXX XXXX, without my knowledge or consent. I am requesting the immediate removal of this inquiry from my credit file due to its fraudulent and unauthorized nature.  XXXX**Incident Summary:** XXXX On XXXX XXXX XXXX at approximately XXXX XXXX  EST, I contacted XXXX XXXX XXXX  Business Credit Card Department.  XXXX I spoke with a representative identifying himself only as XXXX  (phone: XXXX).  XXXX XXXX refused to provide his last name or employee ID, claimed he was the department head, and insisted that no supervisor was available. XXXX Immediately following this call, I received a credit breach alert notifying me of a hard inquiry made on my TransUnion credit file by XXXX XXXX XXXX XXXX  I did not authorize this inquiry, nor did I consent to any credit check during that call. No application for credit was made, and I was not informed that my credit would be accessed. XXXX**Violations of Law:** XXXXThe unauthorized hard inquiry violates the **Fair Credit Reporting Act (FCRA)**, which requires that credit inquiries only occur with consumer consent or for a permissible purpose (15 U.S.C. 1681b). In this case, no such consent or purpose existed. XXXXAdditionally, this action may constitute **identity theft** under the **Identity Theft and Assumption Deterrence Act (18 U.S.C.  1028)**, as my personal information was misused to access my credit report without authorization. XXXX**Request for Action:** XXXXI am requesting that TransUnion: XXXX1. **Investigate this unauthorized inquiry** by XXXX XXXX XXXX, dated XXXX XXXX XXXX XXXX **Remove (block) the inquiry** from my credit file in accordance with FCRA Section 605B (15 U.S.C.  1681c-2). XXXX Provide **written confirmation** of the investigation outcome and removal of the inquiry. XXXX. Implement any **fraud alerts or security measures** necessary to prevent future unauthorized access to my credit fileXXXX XXXXEnclosed are supporting documents, including a copy of my credit report showing the unauthorized inquiry and the credit alert I received. I am also prepared to provide an FTC Identity Theft Report upon request.  XXXXPlease respond to me in writing at the contact information provided above. I expect a resolution within the timeframes required under the FCRA.  XXXXThank you for your prompt attention to this matter.  XXXXSincerely, XXXX XXXXDOB: See ID attachedXXXXTransUnion File/Report Number: XXXX*****     PART II     *****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 XXXXSubject: Formal Complaint Regarding Unauthorized Credit Inquiry and Identity Misuse (XXXX XXXX XXXX Incident)  XXXXDear Sir or Madam, XXXXI am submitting a formal dispute and complaint regarding an unauthorized hard credit inquiry made by XXXX XXXX XXXX on XXXX XXXX XXXX, and potential misuse of my personal information by a XXXX XXXX XXXX  employee who called himself XXXX (Refused to provide last name when asked)", "Head of the department", "The boss".  XXXX**Incident Summary:**  XXXX On XXXX XXXX XXXX  at approximately XXXX XXXX  EST, I contacted XXXX XXXX XXXX  Business Credit Card Department (phone: XXXX)XXXX XXXX  I spoke with a representative who identified himself only as XXXX XXXX XXXX denied my request for a fair, objective reconsideration of credit\XXXX XXXX became rude, refused to provide his last name or employee ID, and claimed he was the department head with no supervisor available. XXXX I suspect that XXXX  may have been discriminating against my race/ethnicity, age, and/or gender.\n- Immediately after this call, I received a credit breach alert showing that a hard inquiry had been made on my TransUnion credit report by XXXX XXXX XXXX XXXX  I did not authorize or consent to this inquiry. I did not apply for any new credit, and XXXX  did not inform me that my credit report would be accessed.  XXXX**Violations of Law:** XXXXThis unauthorized credit inquiry violates the **Fair Credit Reporting Act (FCRA)**, which mandates that credit checks require explicit consumer consent or a permissible purpose (15 U.S.C.  1681b). This inquiry was performed without either.  XXXXAdditionally, misuse of my personal information may constitute **identity theft** under the **Identity Theft and Assumption Deterrence Act (18 U.S.C.  1028)** and breaches your obligations under the **Gramm-Leach-Bliley Act (GLBA)** to safeguard customer information.  XXXXThis may also violate **Georgias Identity Fraud statute** (O.C.G.A.  16-9-121), which criminalizes the unauthorized use of anothers identifying information. XXXX**Request for Action:** XXXXI  formally request that XXXX XXXX XXXXXXXX XXXX1. Conduct a **full investigation** into this incident, including reviewing call logs and system access related to XXXX  (Refused to provide last name) on XXXX XXXX XXXX XXXX. **Contact TransUnion** to have the unauthorized hard inquiry removed from my credit file. XXXX3. Take **disciplinary action** against the employee involved, including retraining or termination if warranted. XXXX4. Provide **written confirmation** of the investigation findings, inquiry removal, and corrective actions taken.  XXXXEnclosed are copies of the credit alert and credit report showing the unauthorized inquiry. XXXXPlease provide a formal written response within 30 days to the contact information listed above. If this matter is not resolved satisfactorily, I am prepared to escalate it to the farthest extent of the law.  XXXXThank you for your prompt attention. XXXXSincerely, XXXX XXXX XXXX XXXX XXXXAccount Number: 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 explanation