Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #17376585
Complaint Overview
Complaint ID: 17376585
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: Connecticut
ZIP Code: 06114
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : Unauthorized credit inquiry Company : XXXX XXXX ( Used Auto Dealer ) Date of inquiry : XX/XX/year> Credit bureau XXXX TransUnion Issue XXXX The dealership ran a hard credit inquiry without my permission, refused to honor my approved financing with XXXX, and then told me he was not selling me the car at all because he didnt want to pay XXXX lender fee. He tried to force me to use his financing or put down more money than XXXX required. This is deceptive, unfair, and harmful to my credit. What happened : I already had a full approval from XXXX XXXX before I went to the dealership. XXXX approved me with a {$4700.00} down payment, and I had my APR and full loan terms already confirmed. When I got to the dealership, I told the dealer very clearly that I was using my XXXX approval and that I did NOT authorize any credit checks with any other lenders. I did not sign any credit application. The dealer ran a hard inquiry anyway without my consent. After that, he told me I wasnt approved by XXXX not because of my credit, but because he didnt want to pay XXXX lender fee. He admitted he wouldnt make money on the deal if he used my lender. He then tried to force me to put {$4000.00} more down, even though XXXX had already approved me with {$4700.00} down. When I refused to let him change the deal for his profit, he told me he was not selling me the car at all, specifically because he didnt want to use my XXXX approval. Why this is a problem : The dealership : * Ran an unauthorized hard inquiry * Lied about my approval status * Refused to honor my valid lender approval * Tried to force unnecessary extra down payment * Attempted to switch me into financing that benefited them * And finally refused to sell me the vehicle at all because they couldnt profit enough This is unfair, deceptive, and predatory conduct.
Frequently Asked Questions
What is Complaint #17376585 about?
Complaint #17376585 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 2025-11-19T12:00:00-05:00.
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.