Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13205090
Complaint Overview
Complaint ID: 13205090
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: 94531
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I reviewed my TransUnion credit report and discovered a fraudulent hard inquiry by XXXXXXXX XXXX ( XXXXXXXX XXXX ) dated XX/XX/year>. I never applied for any XXXX credit account. Immediately after noticing the inquiry, I contacted XXXXXXXX XXXX. XXXX confirmed in writing that the application was fraudulent, not initiated by me, and the inquiry was unauthorized. This inquiry violates the Fair Credit Reporting Act ( FCRA ) 604 because it was made without a permissible purpose or my consent. Additionally, under FCRA 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to have fraudulent information resulting from identity theft blocked or deleted immediately. TransUnion allowed unauthorized access to my private consumer data, damaging my creditworthiness and exposing me to further risk of fraud. I am formally requesting immediate action and enforcement of my rights under federal law.
Frequently Asked Questions
What is Complaint #13205090 about?
Complaint #13205090 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 2025-04-27T12:00:00-05:00.
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.