Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Subject : Formal Complaint and Dispute of Unauthorized Hard Credit Inquiries Due to System Migration Failure Request for Immediate Action ________________________________________ Dear TransUnion and FTC Representatives, I am submitting this formal complaint and dispute regarding unauthorized hard credit inquiries that appeared on my TransUnion credit report, which resulted from a known internal system migration error at TransUnion in XXXX. 
Summary of Events : 1. Background & Security Measures Due to the prior TransUnion data breach in XXXX, which impacted millions of consumers including myself, I proactively placed a credit freeze to protect my identity. I was also enrolled in a paid TransUnion credit monitoring subscription. 
XXXX. Migration System Failure to Carry Over From XX/XX/XXXX Despite having an active freeze in placed, last XXXX of XXXX, TransUnion failed to carry over my credit freeze settings to its new system. I received no direct communication or guidance from TransUnion regarding changes to its services or that I was required to reapply the freeze under the new platform. 
XXXX. Unauthorized Hard Inquiries in Violation of Consumer Rights On or around XX/XX/XXXX, I received alerts from my credit card issuers monitoring service indicating two hard credit pulls were made on my TransUnion credit file without my authorization or consent, in direct violation of my freeze and consumer rights. These inquiries were not approved by me and are illegal under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( c ), which prohibits consumer reports from being accessed without permissible purpose or consent. 
XXXX. TransUnion Acknowledgment of Internal Failure I contacted TransUnion at ( XXXX ) XXXX on XX/XX/XXXX to dispute the unauthorized inquiries. On XX/XX/XXXX, after repeated follow-ups, I finally spoke with Migration SupervisoXXXX XXXX, who confirmed a systemic issue during TransUnions migration, specifically impacting the credit freeze transfer. Previous representatives XXXX and XXXX misinformed me about the dispute process, causing unnecessary delays and further harm. 
XXXX. Failure to Communicate Service Changes TransUnion failed to notify me about : The deactivation of the Credit Lock feature in their legacy products & platforms ; The discontinuation of their legacy credit monitoring subscription ; The need to reapply the credit freeze using the new system. 
Had I been properly notified, I would have taken action to maintain my freeze and prevent unauthorized access to my credit file. 
________________________________________ Legal Grounds for Dispute & Complaint : FCRA Violation : Under 15 U.S. Code 1681b ( b ) ( 2 ), a consumer report may not be accessed without the express consent of the consumer. My credit freeze, if properly maintained, would have legally blocked these inquiries. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b : Accessing a consumers credit file without proper authorization is unlawful.

Negligence & Harm : TransUnion 's failure to uphold system continuity, inadequate notification of critical service changes, and lack of clear consumer guidance constitutes gross negligence. This has placed me at renewed risk of identity theft, compromised my financial security, and damaged my credit profile and emotional and financial stress.

A.R.S. 44-1694 ( C ) : Requires that credit reporting agencies implement procedures to maintain accuracy and data integrity.

A.R.S. 13-2008 : Prohibits identity misuse or unauthorized access of personal identifying information.

A.R.S. 44-1522 ( Consumer Fraud Act ) : Prohibits unfair and deceptive business practices, including failure to disclose material service changes. 



Respectfully, LC Consumer

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