Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13573540
Complaint Overview
Complaint ID: 13573540
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: Arizona
ZIP Code: 85013
Date Received: 2025-05-17T12:00:00-05:00
Date Sent to Company: 2025-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all outdated, inaccurate, or unverified accounts and inquiries listed. I did not grant permission for these inquiries, and their presence on my report is a violation of the Fair Debt Collection Practices Act. I have attached a copy of my credit report with the inquiries in question highlighted for your reference. The inquiries in question are as follows : List of Unauthorized Hard Inquiries : Company Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX, XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX Phone : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Please investigate this matter and remove these inquiries from my credit report at the earliest. Failure to comply with this request within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may lead to legal action under 15 U.S.C. 1681n and 1681o for violating my rights under the FCRA. I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX XXXX XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. Thank you for your prompt attention to this matter. I look forward to your confirmation that these inquiries have been removed from my credit report.
Frequently Asked Questions
What is Complaint #13573540 about?
Complaint #13573540 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 2025-05-17T12:00:00-05:00.
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.