Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding numerous credit inquiries listed on my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified several inquiries that appear to have been made without my consent or under circumstances that may not comply with the law. I am requesting your assistance in investigating and resolving these issues.

Inquiries in Question : Below are the inquiries listed on my credit report that I believe may be in violation of the Fair Credit Reporting Act : XXXXXXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Legal Violations : I believe some of these inquiries are in violation of 15 U.S.C. 1681b ( Permissible purposes of consumer reports ), which restricts the situations in which a consumer report can be accessed. These include situations where an inquiry is made without my consent, for unauthorized purposes, or without an appropriate legal basis.

Additionally, 15 U.S.C. 1681c restricts how long certain information, including credit inquiries, can remain on a credit report. Inquiries that have been made improperly should be removed before the legally allowed period if they were unauthorized or incorrectly listed.

Moreover, 15 U.S.C. 1681i mandates that if there is a dispute regarding the accuracy of the information on a credit report, including credit inquiries, the consumer has the right to request a full investigation.

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