Consumer complaint received 2025-06-26 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: DC

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Furnishing Consumer Reports To Persons without a Permissible purpose or Legitimate Business Reason To : Whom it may concern You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 
TransUnion furnished my consumer reports to ( SEE LIST BELOW ) without a permissible purpose as per XXXX XXXX XXXX ( XXXX ) or knowingly without a legitimate business reason pursuant [ XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). 

The Fair Credit Reporting Act ( FCRA ), [ XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i )., for unlawfully furnishing my TRANSUNION consumer report on ( Dates listed below ) without my authorization or a permissible purpose under the XXXX XXXX XXXX ( XXXX ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section XXXX ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 
I hereby request pursuant rule XXXX the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on { insert date } to { Insert company name that made the inquiry } Be advised the advisory opinion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Part XXXX Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA XXXX XXXX ( a ) ( XXXX ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA XXXX XXXX ( a ) ( XXXX ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section XXXX ( a ) ( XXXX ). 
This advisory opinion also reminds consumer report users that FCRA section XXXX ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
So why was a consumer report furnished to ( SEE LIST BELOW ) without a permissible purpose or legitimate business reason? 

XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with { SEE LIST BELOW }. 

XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the inquiry that was placed on my consumer report on ( SEE LIST BELOW ) Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Washington, XXXX XXXX Yours Sincerely XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXXXXXX XXXX  via FACTUAL DATA XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX  XXXX XXXX, VA 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