Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5023272
Complaint Overview
Complaint ID: 5023272
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, 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: Nevada
ZIP Code: 89081
Date Received: 2021-12-19T12:00:00-05:00
Date Sent to Company: 2021-12-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2020, I sent an inquiry dispute letter to TransUnion asking to validate information with these companies and to provide me with copies of any documentation associated with these accounts bearing my signature, authorizing the inquiries pulled from my consumer report. I requested that in the absence of any such documentation bearing my signature, I requested that these fraudulent inquiries be immediately deleted from my consumer report. TransUnion sent a letter in the mail stating that they verified that the information that theyre reporting is correct. TransUnion failed to send and provide me with proof or documents obtaining my signature validating these inquires. They also failed to show me how they verified this information. Recently I received another inquiry I did not authorize. I contacted TransUnion and they refused to help me. I submitted an identity theft report. These inquires are not tied to an open account. Due to the fact that I have fraudulent inquires on my consumer report, I am unable to receive any lines of new credit. I cant no successfully apply for a credit card, an auto loan, etc because of the inquires on my consumer report that I did not give written or oral consent to obtain. According to Title 15 U.S. Code 1681 ( n ), under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will submit documentation of a recently denied application from XXXX credit card. I was denied because of the fraudulent inquires reporting to my credit file.
Frequently Asked Questions
What is Complaint #5023272 about?
Complaint #5023272 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-12-19T12:00:00-05:00.
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, credit repair services, 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.