Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13448284
Complaint Overview
Complaint ID: 13448284
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: Pennsylvania
ZIP Code: XXXXX
Date Received: 2025-05-10T12:00:00-05:00
Date Sent to Company: 2025-05-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute an unauthorized hard inquiry that appears on my Experian credit report from XXXX XXXX XXXX, dated XX/XX/year>. I did not apply for any credit, loan, or financial product with XXXX XXXX XXXX, nor did I authorize them to access my credit report. This inquiry is negatively impacting my credit profile without justification. I contacted Experian to request the removal of this inquiry, as it was not initiated by me. However, they have failed to take appropriate action or provide any documentation that would verify my authorization of this inquiry. I am requesting that the Consumer Financial Protection Bureau assist in investigating this matter. Specifically, I want Experian to : 1. Remove the unauthorized inquiry from my credit report 2. Provide a clear explanation of how this inquiry was verified ( if they claim it was ) 3. Prevent future unauthorized inquiries from appearing without my consent
Frequently Asked Questions
What is Complaint #13448284 about?
Complaint #13448284 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 2025-05-10T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.