Consumer complaint received 2024-08-08 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: MN

Complaint narrative:
To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) 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.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under 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 ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX  - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

FIN INST XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX XXXX - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

TD AUTO FIN - XX/XX/XXXX - You can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/XXXX - XXXX can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW! 

XXXX - XX/XX/XXXX - XXXX can not inquire about my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you cant provide this, DELETE THE INQUIRY IMMEDIATELY, as its harming my credit opportunities. Under the FCRA, acceptable reasons for a credit inquiry are XXXX. Firm Offer of XXXX XXXX. Insurance XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. XXXX XXXX. XXXX : Permissible Purpose of Credit Report DELETE THIS INQUIRY NOW!

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