Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
this formal theft report and cease-and-desist request regarding unauthorized credit inquiries that appeared on my TransUnion credit report. I am a confirmed victim of identity theft, resulting from the XXXX Data Breach, which compromised my personal information and led to fraudulent activity. 

I have filed a Federal Trade Commission ( FTC ) Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint documenting these violations. Copies of these reports are enclosed for your review. 

The following unauthorized inquiries were made without my knowledge, authorization, or consent and are in direct violation of my consumer rights : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated by me, nor did I grant any entity permission to access my credit profile. They were obtained through identity theft and represent a breach of my privacy and federal consumer protection laws. 



CEASE AND DESIST DEMAND Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), I demand that TransUnio

n : 1. Immediately block, delete, and remove all fraudulent inquiries and any other information resulting from identity theft ; 2. Cease and desist from reporting, reinserting, or redistributing these unauthorized inquiries to any third party ; and 3. Provide written confirmation that the disputed inquiries have been deleted from my credit file.

LEGAL BASIS FOR REMOVAL Under the Fair Credit Reporting Act ( FCRA ), the following sections protect my rights and require removal of unauthorized or fraudulent inquiries : 1. FCRA 604 ( a ) ( 3 ), 15 U.S.C. 1681b ( a ) ( 3 ) A consumer reporting agency may only furnish a consumer report to entities with a permissible purpose. Since I did not apply for credit with these companies, these inquiries were made without permissible purpose and therefore violate this law. 
2. FCRA 605B, 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) Requires the credit bureau to block and remove all information related to identity theft within four business days after receiving proof of the claim and proper identification.

3. FCRA 611, 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) Requires the bureau to reinvestigate disputed information and delete or correct any unverifiable or inaccurate items within 30 days.

4. FCRA 623 ( a ) ( 6 ) Prohibits data furnishers from continuing to report information that they know or have reason to know is the result of identity theft.

5. FACTA Identity Theft Red Flags Rule Requires credit reporting agencies to take preventive measures and protect consumers when notified of identity theft or fraudulent use of consumer data. 



REQUEST FOR ACTION Under these laws, I am demanding the following actions be taken immediately : 1. Delete and block the unauthorized inquiries listed above.

2. Send written confirmation to me that these items have been removed.

3. Provide an updated copy of my corrected credit report reflecting these deletions.

4. Cease and desist from any further reporting or sharing of the disputed 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 explanation