Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern, I am writing this letter to formally dispute and request the immediate removal of several fraudulent hard inquiries listed on my TransUnion credit report. I have recently become a victim of identity theft, and I am deeply concerned about the negative impact these unauthorized inquiries may have on my creditworthiness and overall financial well-being. 

The following inquiries, which I have no knowledge of and have never initiated, have appeared on my credit report : XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX - Sales Financing - XX/XX/XXXX XXXX XXXX - Personal Loan Companies - XX/XX/XXXX XXXX XXXX XXXX Department and XXXX XXXX- XX/XX/XXXX XXXX XXXX - Credit Bureau Inquiries- XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Personal Services Other Than Medical - XX/XX/XXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - Mortgage Companies - Credit Union XXXX XX/XX/XXXX XXXX XXXX  - Mortgage Companies - Credit Union XXXX XX/XX/XXXXXXXX XXXX XXXX  - Auto Financing - XX/XX/XXXX XXXX XXXX - Auto Loans- XX/XX/XXXX XXXX XXXX XXXX Auto Financing - XX/XX/XXXX Upon reviewing these inquiries, I must assert that it is impossible for me to have sought loans or financing from the aforementioned creditors during the specified periods. I have diligently managed my finances and have never engaged in any business transactions with these entities. In fact, I have taken the necessary steps to contact the listed creditors directly, and I can confirm that they have verified the unauthorized nature of these inquiries and have categorically stated that I have had no dealings with them. 

As a victim of identity theft, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and its provisions for disputing inaccurate and fraudulent information on my credit report. The FCRA grants me the right to request a thorough investigation of these unauthorized inquiries and to have them removed from my credit history, thereby restoring the accuracy and integrity of my credit profile. 

I kindly request that the Consumer Financial Protection Bureau assist me in rectifying this matter by conducting a prompt and comprehensive investigation into these fraudulent inquiries. I am providing all necessary documentation, including correspondence from the creditors confirming the fraudulent nature of these inquiries, to support my claim. 

Please inform me of the progress of your investigation and the actions taken to correct this situation. I understand the importance of maintaining the accuracy of my credit report, and I am committed to cooperating fully with your office to ensure the successful resolution of this matter. 

Thank you for your attention to this urgent issue. I look forward to a swift and favorable resolution. 

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 explanation