Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion Regarding Unauthorized Credit Inquiries and Violations of Federal Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their ongoing refusal to acknowledge and address unauthorized credit inquiries on my credit report, in violation of federal laws and regulations. 

On XXXX I contacted TransUnion by phone to report fraudulent and unauthorized credit inquiries that have appeared on my credit report. I explicitly informed the representative that these inquiries were not initiated or authorized by me and requested their immediate removal. However, despite this notification, TransUnion failed to take appropriate action. 

On XXXX, I contacted TransUnion again to reiterate my concerns and request the removal of the unauthorized inquiries. Unfortunately, TransUnion has continued to ignore my requests and has not taken any action to rectify this matter. 

TransUnion 's failure to investigate and remove the fraudulent inquiries constitutes a violation of several federal laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ** : This law mandates that credit reporting agencies must ensure the accuracy of the information in a consumer 's credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to investigate disputes made by consumers regarding the accuracy of information within 30 days of the dispute. TransUnion 's refusal to investigate and correct the unauthorized inquiries violates this provision.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ** : Although primarily focused on debt collectors, this law also addresses the accuracy of consumer information. The continued reporting of unauthorized inquiries can result in misleading information being provided to potential creditors, which is contrary to the principles outlined in the FDCPA. 

XXXX. Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5481 et seq. ** : This act grants the Consumer Financial Protection Bureau authority to enforce consumer protection laws. TransUnion 's actions, or lack thereof, may constitute unfair, deceptive, or abusive practices as defined under this act.

4. Furthermore, under 15 U.S. Code 1681c-2, when a consumer submits an identity theft report, the credit reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft. This includes unauthorized credit inquiries. Therefore, since I have already reported these inquiries as fraudulent, you are required by law to remove them from my credit report without delay.

I request that TransUnion immediately delete the unauthorized credit inquiries from my credit report and provide me with written confirmation of this action. Failure to comply with the requirements of the FCRA may result in legal action, including but not limited to a complaint filed with the Consumer Financial Protection Bureau ( CFPB ). 

Please consider this my formal request for the immediate removal of these fraudulent inquiries. I expect your prompt compliance with federal law and look forward to your confirmation that this matter has been resolved. 

I am deeply concerned that TransUnions refusal to remove these unauthorized inquiries is negatively impacting my credit score and my ability to obtain credit. I request that the CFPB take immediate action to investigate this matter and ensure that TransUnion complies with federal law by removing the unauthorized inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.