Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14912048
Complaint Overview
Complaint ID: 14912048
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: Illinois
ZIP Code: 60901
Date Received: 2025-07-27T12:00:00-05:00
Date Sent to Company: 2025-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Transunion Subject : Formal Dispute of Hard Inquiries Unauthorized/Inaccurate Reporting under FCRA & Metro 2 Compliance RE : Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Digits : XXXX To Whom It May Concern, I am formally disputing multiple hard inquiries listed on my credit report, as I do not recognize nor authorize these entities to access my consumer report. These inquiries are being disputed under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines, which require accurate and permissible purpose for any third-party data access. The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Excessive and potentially unauthorized repeated inquiries by the same institution suggest impermissible access or Metro 2 violations ( duplicate/failure to purge ). XXXX Reported on : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported on : XX/XX/XXXX XXXX XXXX XXXX Reported on : XX/XX/XXXX According to FCRA 604 ( a ), a hard inquiry may only be made with my explicit authorization or in connection with a legitimate credit transaction initiated by me. I have no recollection or record of initiating such applications with these companies, and I did not authorize these hard inquiries. Additionally, under Metro 2 Guidelines, data furnishers must follow strict protocols for accurately coding and deleting impermissible or redundant inquiries. The repeated entries from XXXX XXXX violate the Metro 2 prohibition against multiple inquiries for the same transaction and suggest non-compliance with the standard Inquiry Type and Permissible Purpose fields. Demand for Action : In accordance with FCRA 611, I formally request : 1. An immediate investigation of the above-listed inquiries. 2. Written verification from the furnishers that I authorized these pulls. 3. Permanent removal of all unauthorized or non-compliant inquiries from my credit file. 4. A full updated credit report sent to me upon completion of your investigation. Failure to properly investigate and resolve this dispute may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and/or pursuit of civil damages under FCRA 616 and 617. Thank you for your attention to this matter. Sincerely, XXXX XXXX [ Enclosures : Copy of ID, utility bill
Frequently Asked Questions
What is Complaint #14912048 about?
Complaint #14912048 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 2025-07-27T12:00:00-05:00.
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.