Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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

Complaint:
Dear TransUnion XXXX Department, I hope this letter finds you well. I am writing to dispute and request the immediate removal of several fraudulent inquiries listed on my TransUnion credit report. I have recently become a victim of identity theft, and upon reviewing my credit history, I discovered a series of unauthorized entries from various entities that I have never conducted any business with. I firmly assert that these inquiries are false and were made without my knowledge or consent. 

The fraudulent inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Department and XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX upstanding citizen, I have always been vigilant about my financial affairs, and I regularly monitor my credit report for any unusual activities. Unfortunately, due to the sophistication of the identity theft scheme, the fraudulent inquiries remained unnoticed for an extended period. This delay in detecting the fraudulent activities is a testament to the cunning methods employed by the identity thieves to evade detection. 

I have taken swift action to rectify this XXXX situation. As soon as I became aware of the unauthorized inquiries, I immediately contacted each of the entities listed and provided them with a detailed explanation of the fraudulent nature of the inquiries. I have communicated with representatives from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, presenting them with all relevant evidence and supporting documentation to prove that I have never initiated any transactions with them. 

According to the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, I have the right to dispute and request the removal of inaccurate and fraudulent information from my credit report. I implore TransUnion to uphold these rights and ensure the integrity of my credit profile by permanently removing the aforementioned fraudulent inquiries from my record. 

In closing, I want to express my deep concern and frustration over the distressing experience I have endured as a result of this identity theft incident. I trust that, as a reputable credit reporting agency, TransUnion will exercise its due diligence in investigating and rectifying this matter promptly. I request that you provide me with a written confirmation of the removal of the fraudulent inquiries once the investigation is complete. 

Thank you for your immediate attention to this matter. Please feel free to contact me if any further information or documentation is required. I eagerly anticipate your response and cooperation in resolving this issue expeditiously. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief