Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10805650
Complaint Overview
Complaint ID: 10805650
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Illinois
ZIP Code: 60133
Date Received: 2024-11-14T12:00:00-05:00
Date Sent to Company: 2024-11-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against TransUnion for retaining unauthorized inquiries on my credit report, which I did not initiate or authorize. Upon reviewing my credit report, I identified the following inquiries that lack my consent : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I contacted these creditors directly, and they confirmed that they do not have any record of my authorization, either written or verbal, for these inquiries. Despite this, TransUnion has failed to remove these inquiries from my report, thereby damaging my creditworthiness. Violations of the Fair Credit Reporting Act ( FCRA ) : Unauthorized Inquiries ( FCRA, Section 604 - 15 U.S.C. 1681b ) Under Section 604 of the FCRA, credit reporting agencies are only permitted to include inquiries that have a legitimate business need and verifiable consumer authorization. Since no authorization or permissible purpose exists, these inquiries should be removed from my report immediately. Failure to Remove Unverifiable Information ( FCRA, Section 611 ( a ) ( 5 ) ( A ) - 15 U.S.C. 1681i ) Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that any information disputed by a consumer that is determined to be inaccurate, incomplete, or unverifiable must be deleted promptly after investigation. TransUnions retention of these inquiries without proper verification is a direct violation of this provision. Verification Requirements ( FCRA, Section 609 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681g ) Section 609 ( a ) ( 1 ) ( A ) mandates that each inquiry included in a credit report be backed by a verifiable original consumer contract with my signature. Without such proof, any inquiry lacking my consent should be promptly removed to ensure compliance with the FCRA. Impact on My Financial Standing : The presence of these unauthorized inquiries on my credit report is unjustly lowering my credit score and limiting my access to credit. This is causing harm to my financial reputation and impacting my ability to conduct personal business effectively. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10805650 about?
Complaint #10805650 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-11-14T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.