Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6199473
Complaint Overview
Complaint ID: 6199473
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: District of Columbia
ZIP Code: 20009
Date Received: 2022-11-13T12:00:00-05:00
Date Sent to Company: 2022-11-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called TransUnion at XXXX. The reference number for the call was XXXX. The agent advised that they would escalate two recent unauthorized inquiries XXXX XXXX on XX/XX/2022 and XXXX XXXX on XX/XX/2022, for disputing. However, they insisted on mailing in identity verification documents and an FTC report, which have been attached for your review ; however, this should not be required. I called TransUnion, verifying my identity on the phone prompts. Subsequently, it was made clear that there was no authorized nor permissible purpose for the hard inquiries. The legal process should be that the hard inquiries are dropped if there is no authorization or permissible purpose found. It is the burden of proof of the credit reporting agency to identify these factors, not that of the consumer to prove that their identity was potentially stolen.
Frequently Asked Questions
What is Complaint #6199473 about?
Complaint #6199473 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 2022-11-13T12:00:00-05:00.
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, 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.