Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12527173
Complaint Overview
Complaint ID: 12527173
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: Texas
ZIP Code: 76006
Date Received: 2025-03-17T12:00:00-05:00
Date Sent to Company: 2025-03-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding several unauthorized credit inquiries reported by TransUnion on my credit file. These inquiries were made without my consent. After contacting the creditors responsible, they confirmed that they have no signed application, contract, or permissible purpose authorizing such inquiries. Despite having submitted a formal dispute directly with TransUnion, these inquiries remain on my report, and TransUnion has not provided any verifiable documentation proving my authorization. Additionally, I am concerned that TransUnions investigation relied on the EOSCAR system, which, according to the Consumer Financial Protection Bureau ( CFPB ), has known limitations and may not be sufficient to verify underlying documentation. These inquiries violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681b ( lack of permissible purpose ), 15 U.S.C. 1681i ( failure to remove unverifiable information ), 15 U.S.C. 1681g ( failure to adequately verify inquiries ), and 15 U.S.C. 1681s-2 ( data furnishers responsibility to report accurate and verifiable information ). The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, court precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) establish that accessing a credit report without proper authorization is a violation of the FCRA.
Frequently Asked Questions
What is Complaint #12527173 about?
Complaint #12527173 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 2025-03-17T12:00:00-05:00.
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.