Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8152337
Complaint Overview
Complaint ID: 8152337
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: South Carolina
ZIP Code: 29680
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Urgent : Cease Unauthorized Inquiries and Rectify Violations Dear TransUnion, I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potential identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft. In addressing these unauthorized inquiries, several key legal violations come to light : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose, violating my rights to privacy. - Section 606 : The disclosure of investigative consumer reports occurred without proper authorization. - Section 609 : I have not been provided with adequate disclosures about these inquiries. - Section 611 : The procedures for disputing inaccuracies have been overlooked. 2. **South Carolina Consumer Protection Code Violations : ** - Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed. - Section 37-20-110 : The unauthorized inquiries are clear violations of this code. - Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded. I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred. Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. This complaint was construed and submitted in good faith.
Frequently Asked Questions
What is Complaint #8152337 about?
Complaint #8152337 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 2024-01-11T12:00:00-05:00.
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 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.