Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13322023

Complaint Overview

Complaint ID: 13322023

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: North Carolina

ZIP Code: 274XX

Date Received: 2025-05-03T12:00:00-05:00

Date Sent to Company: 2025-05-03T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered an alarming number of unauthorized hard inquiries around 74 entries for which I never gave any form of consent or authorization. I did not apply for credit with these entities, and I did not permit any third parties to access my credit profile. These inquiries constitute a direct violation of my privacy rights and a serious breach under the Fair Credit Reporting Act ( FCRA ). The excessive number of inquiries is not only damaging my credit profile and reputation but also making it increasingly difficult for me to provide for my family and secure future financing. I have suffered emotional distress and financial harm as a result. These actions appear to violate several key provisions of federal law : 15 U.S.C.1681b ( f ) : Prohibits any person from obtaining a consumer report unless they have a permissible purpose and proper authorization. These inquiries were made without my knowledge or consent and therefore lack a lawful basis. 15 U.S.C.1681c-2 : Grants consumers the right to block information resulting from identity theft. I assert that these inquiries were made without my authorization and may be linked to fraudulent activity or gross procedural misconduct. 15 U.S.C.1681d : Requires specific, written authorization before investigative consumer reports can be procured. I demand production of such written consent for each of these 74 inquiries. 15 U.S.C. 1681e ( a ) : Requires credit reporting agencies to adopt reasonable procedures to protect the confidentiality, accuracy, and relevance of information furnished. Allowing unauthorized access violates I am formally requesting that the CFPB open an investigation into this matter, and that Experian, TransUnion, and Equifax be compelled to : Provide written proof of my authorization for each of the 74 hard inquiries listed on my credit reports. Immediately remove all unauthorized and unverified inquiries that lack documented consent or permissible purpose. Implement procedural safeguards to prevent future unauthorized access to my consumer file. Provide a written statement confirming the completion of this investigation and detailing the corrective actions taken. If these inquiries are the result of identity theft or unauthorized access, then under the FCRA, they must be blocked from my report immediately upon request and proof of identity.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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