Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15593223
Complaint Overview
Complaint ID: 15593223
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: Reporting company used your report improperly
State: Nevada
ZIP Code: 890XX
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Company Complained About : Transunion Problem Description : I am filing this complaint regarding unauthorized hard inquiries that appear on my Transunion credit report. These inquiries were not initiated by me, and I did not authorize the listed creditors to access my credit file. According to the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as with the consumers authorization. 611 ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccurate or unauthorized information and request an investigation. 616617 ( 15 U.S.C. 1681n, 1681o ) : Failure to comply with these obligations may result in civil liability. Despite not providing authorization, the following hard inquiries have been placed on my Transunion credit file Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have submitted a written dispute to Transunion ( dated XX/XX/XXXX ), including government-issued ID and proof of address, requesting removal of the unauthorized inquiries. I have requested Transunion provide documentation proving my consent for each inquiry or remove them within 30 days. Impact of the Problem : These inquiries negatively affect my credit score. They create the false impression that I have applied for multiple credit accounts. This can harm my ability to secure legitimate credit, loans, or favorable terms. Desired Resolution : Removal of all unauthorized hard inquiries from my Transunion credit report. Written confirmation from Transunion detailing the outcome of the investigation. Assurance that Transunion will comply with FCRA standards and prevent unauthorized access to my credit file in the future.
Frequently Asked Questions
What is Complaint #15593223 about?
Complaint #15593223 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 2025-08-28T12:00:00-05:00.
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.