Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Under the fair Credit Reporting Act ( FCRA ), specifically 15 U.S Coe 1681b, a consumer reporting agency may furnish a consumer report only for permissible purposes. A hard inquiry typically reflects a permissible purpose only when it is made in connection with a credit transaction initiated by the consumer, or with the consumers written permission. 

I have not authorized these company 's XXXX XXXX  and XXXX XXXXXX/XX/year> to access my credit report, nor have I initiated any application for credit or services that would warrant such an inquiry. Therefore, these hard inquiry is unlawful and a violation of my consumer rights under the FCRA. I do not have an account with these company 's nor is an account attached to these hard inquiry.

Additionally, as required by 15 U.S. Code 1681i, I am requesting an immediate reinvestigation of this inquiry. If the inquiring party can not provide documented evidence of my authorization, then the inquiry must be deleted from my credit report promptly. I do not have a signed contract with this company for any services or goods. 
Please complete this reinvestigation within 4 days of receipt of this letter. Upon completion of your investigation, please provide me with written confirmation of the results and an updated copy of my credit report. 

I have filed six complaints to TransUnion for this fraudulent activity, and every time my complaint is received TransUnion fraudulently tells me they have not received my complaint from the cfpb, the FTC number is not a accepted number by TransUnion. FTC reports no longer can be received by TransUnion, they don't work with the FTC reports, My FTC report is gray, and let 's see if XXXX can not submit complaints to them anymore. Per transunion. These are all lies that have been told on a recorded line to me and my attorney. I have submitted my FTC report along with my ID and my address verification and a copy of my social security card. We have signed signatures that these disputes have been received by TransUnion. TransUnion has fraudulently trashed and deleted by disputes which have all been documented by my attorney and filed with the court. Transunion has also forced me to resubmit my FTC reports and supporting documents just to deny my FTC report as a duplicate FTC number. These actions are fraud due to getting me to resubmit documents they already have just to deny them as a duplicate. I have attached a can my FTC report, ID, assist in card copy, and address verification all which are legally binding and can not be denied. 

If this matter is not resolved in a timely manner, I have a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general.

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