Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12197643
Complaint Overview
Complaint ID: 12197643
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: Georgia
ZIP Code: 31206
Date Received: 2025-02-24T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently reviewed my TransUnion credit report and discovered several unauthorized hard inquiries that I did not approve. The following companies conducted inquiries without my consent : SYNCB/LOWES Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Dates : XX/XX/XXXX & XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ], a company must have permissible purpose and my explicit authorization before conducting a hard inquiry on my credit report. I have not applied for credit with these companies, nor did I authorize these inquiries. I have attempted to dispute these inquiries with TransUnion and/or the respective creditors but have not received a satisfactory resolution. The FCRA requires that unauthorized inquiries be removed from my report to prevent further harm to my credit. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and require the removal of these unauthorized inquiries. Additionally, I request documentation proving that I authorized these inquiries. If the companies can not provide verifiable proof, these inquiries should be removed immediately. Failure to correct this issue may result in further action, including legal recourse.
Frequently Asked Questions
What is Complaint #12197643 about?
Complaint #12197643 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 2025-02-24T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.