Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13581087
Complaint Overview
Complaint ID: 13581087
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: New Mexico
ZIP Code: 87111
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Demand for Immediate Removal Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my consumer credit report. I did not initiate or authorize these inquiries, and as such, I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( a ), which provides for remedies against willful noncompliance, including statutory damages of up to {$1000.00} per violation. The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without any signed authorization or permissible purpose as required under 15 U.S.C. 1681b. Their presence on my credit report has adversely impacted my credit score and constitutes fraudulent access to my consumer report. I demand that these inquiries be immediately removed from my credit file. Failure to take corrective action within a reasonable period will result in legal remedies including, but not limited to, seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ). Please provide written confirmation that these inquiries have been removed, or that a full investigation has been initiated. I am requesting a response within 30 days from the date of this letter, as required by the FCRA. Attached are copies of my government-issued ID and a recent utility bill to verify my identity. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #13581087 about?
Complaint #13581087 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 2025-05-18T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.