Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13284532

CFPB complaint 13284532 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 13284532 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 explanation". The response was marked as timely by the CFPB.

Complaint 13284532 was received by the CFPB on April 30, 2025. It was sent to TRANSUNION INTERMEDIATE HOLDINGS, INC. on April 30, 2025.

Complaint 13284532 was filed from Florida. You can view all complaints from this state at /state/FL.

Dispute information is not available for complaint 13284532.

Complaint 13284532 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 13284532 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.

The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including the proper handling of consumer disputes and 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: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.

This complaint is rated as low risk. The risk is low as the complaint was closed with an explanation, suggesting the issue was addressed or clarified.

Credit bureaus must provide consumers with access to their credit reports and a process to dispute inaccuracies, including unauthorized inquiries. 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 review their credit reports for any unfamiliar inquiries and dispute them promptly with the credit reporting agency.

In Florida, consumers have rights under federal law to dispute credit report inaccuracies, and state-specific consumer protection agencies may offer additional recourse. This complaint was filed from Florida.

This type of complaint is common within the credit reporting industry, as errors or unauthorized access to credit information can occur.

The consumer should immediately contact the credit reporting agency (e.g., TransUnion) to dispute the inquiries and provide any supporting documentation. They may also want to consider placing a fraud alert on their credit file.

This usually indicates that the company responded to the complaint with an explanation of their actions or the resolution, and the CFPB found the response satisfactory, though it doesn't necessarily mean the consumer agreed with the outcome.