Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14501691
Complaint Overview
Complaint ID: 14501691
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: Texas
ZIP Code: 76112
Date Received: 2025-07-05T12:00:00-05:00
Date Sent to Company: 2025-07-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reviewed my credit report on [ insert date ] and found inaccurate and unauthorized information, including [ unauthorized hard inquiries, accounts, or collections ] that I did not initiate, approve, or recognize. I never gave written or verbal permission for these accounts/inquiries, which raises serious concerns about potential identity theft or data misuse. I contacted the company on [ insert date you contacted them ] and formally requested proof of permissible purpose, including a signed application, consent form, or any documentation proving I initiated the request, as required by the Fair Credit Reporting Act ( FCRA ). The company failed to provide the requested evidence or ignored my dispute altogether. According to FCRA Section 604 ( a ) ( 3 ), companies must have a valid and verifiable purpose to access or report on a consumers credit file. If they can not provide written authorization, the account or inquiry must be removed. I also submitted an FTC Identity Theft Report to support my claim. I am requesting that the CFPB enforce my rights under the FCRA and direct the company to permanently delete these inaccurate or unverifiable items from my credit report immediately.
Frequently Asked Questions
What is Complaint #14501691 about?
Complaint #14501691 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 2025-07-05T12:00:00-05:00.
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.