Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information and Violation of Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX , I hope this letter finds you well. My name is XXXX XXXX, and I am writing to bring to your attention several critical issues concerning the accuracy of the information on my consumer credit report, which is being provided by TransUnion. I have enclosed a copy of my credit report as evidence to support my claims. 
First and foremost, I have reason to believe that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681s2. This section outlines the responsibilities of furnishers of information to consumer reporting agencies, and it clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
In light of this violation, I am requesting that TransUnion promptly remove the inaccuracies and errors from my consumer report. Failure to do so may result in legal actions against TransUnion, including seeking monetary damages. Additionally, I will inform the Louisiana Attorney General and other relevant agencies about these violations. 
I am providing a detailed chart below to illustrate the specific inaccurate information that I am disputing and request for its deletion : According to Section 1681s2 ( 2 ) of the FCRA, it is the duty of a company, such as TransUnion, to correct and update any information that is not complete or accurate and furnish corrections to the consumer reporting agency. Furthermore, under Section 1681s2 ( 3 ), if a consumer disputes the completeness or accuracy of any information furnished to a consumer reporting agency, the person must complete an investigation of the dispute and inform the consumer reporting agency of any determination of inaccuracy. 
Secondly, I have identified unauthorized credit inquiries made by XXXX XXXX XXXX XXXX ( XXXX ) on my credit report. Your company has reported these inquiries on the following dates : see attached files As per Section 604 of the FCRA, a credit reporting agency may only furnish a consumer report for specific permissible purposes that require prior authorization from the consumer. I want to clarify that I never authorized XXXX to make any inquiries on my credit report on the aforementioned dates. Therefore, these unauthorized inquiries are clear violations of my rights under the FCRA, and I insist that TransUnion promptly removes them from my consumer profile report. 
Additionally, I believe that TransUnion 's actions are infringing upon my privacy rights under PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION. I request that TransUnion complies with the regulations outlined in this section to protect my personal and financial information. 
In accordance with the FCRA and its provisions, I demand that TransUnion take immediate corrective action in this matter. I expect a response to this letter within 30 days from the date of receipt. 
If TransUnion fails to address and correct these issues within the specified time frame, I will have no choice but to pursue legal action to protect my rights under the FCRA, including initiating a procedure in case of disputed accuracy under 15 U.S. Code 1681i. 
Please be aware that I am availing myself of my rights under the FCRA, and I insist on TransUnion conducting a reasonable reinvestigation of the disputed items on my credit file. If there is no documentation to prove that I authorized these unauthorized inquiries, I demand that TransUnion immediately contacts the credit bureau to remove them from my credit report. 
I have sent this letter via expedited certified postal mail with tracking to ensure its delivery. I expect your prompt attention to this matter. 
Thank you for your immediate consideration and resolution. 
Sincerely, XXXX XXXX Enclosures : Credit report with evidence of inaccuracies

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