Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13281891

CFPB complaint 13281891 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Credit inquiries on your report that you don't recognize". This complaint was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 30, 2025.

Complaint 13281891 was filed against TRANSUNION INTERMEDIATE HOLDINGS, INC.. You can view all complaints against this company on their profile page at /company/transunion-intermediate-holdings-inc.

TRANSUNION INTERMEDIATE HOLDINGS, INC. responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.

Complaint 13281891 was received by the CFPB on April 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 30, 2025.

Complaint 13281891 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 13281891.

Complaint 13281891 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.

Complaint 13281891 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) grants consumers the right to access their credit reports and dispute inaccuracies, including unauthorized inquiries. This relates to a Credit reporting or other personal consumer reports complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. involving "Improper use of your report".

Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as medium risk. The presence of unrecognized credit inquiries can indicate potential identity theft or unauthorized access to a consumer's credit report, posing a risk to their financial security.

Credit reporting agencies have a responsibility to investigate disputes and correct any errors on consumer reports promptly. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.

Consumers should regularly monitor their credit reports for any unfamiliar inquiries and dispute them immediately with the credit reporting agency.

In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Florida.

This issue is common across the credit reporting industry, as consumers frequently encounter unrecognized inquiries due to various reasons.

Consumers should immediately contact the credit reporting agency (e.g., TransUnion, Equifax, Experian) to dispute the inquiries and provide any supporting documentation. They should also consider filing a police report if identity theft is suspected.

This means the issue was resolved without the consumer receiving any financial compensation, but rather through actions like correcting information, providing explanations, or changing a business practice.