Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12959491
Complaint Overview
Complaint ID: 12959491
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: California
ZIP Code: 92083
Date Received: 2025-04-12T12:00:00-05:00
Date Sent to Company: 2025-04-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Unauthorized Credit Inquiries Immediate Removal Request Under FCRA, FTC, and CFPB Laws Dear Credit Bureau Fraud Representative : I am writing to dispute multiple unauthorized hard credit inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit report may only be accessed with my express consent, and only for a permissible purpose by ; XXXX and with my human signature. Yet there are numerous entries across all three credit bureaus that were never authorized. These inquiries have negatively impacted my credit score and occurred within a tight timeframe, further suggesting unauthorized activity. Here is a detailed breakdown of the unauthorized/ fraudulent disputed inquiries, by company name and date : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX Business Type : Credit Union Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Credit Unions Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XXXX XXXX, XXXX and XX/XX/XXXX Business Type : Automobile Dealers, Used Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Automotive - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies/Auto Dealership- Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX Business Type : Credit Unions/Auto Loan Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. XXXXXXXX XXXX Inquired on XXXX XXXX and XXXX XXXX, XXXX Business Type : Auto Financing Companies Note : Made an inquiry which I did not authorize and/or had multiple inquiries per day or one day apart on my credit, and I did not authorize the lender or dealership to run my credit. Thank you in advance for your cooperation.
Frequently Asked Questions
What is Complaint #12959491 about?
Complaint #12959491 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 2025-04-12T12:00:00-05:00.
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.