Consumer complaint received 2023-05-27
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 Sir/Madam, I am writing to file a formal dispute regarding several fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I request your immediate attention and assistance in removing these unauthorized inquiries from my credit history. I believe it is crucial to address this matter promptly to protect my rights and restore the accuracy and integrity of my credit report. 

I have recently reviewed my credit report from TransUnion and discovered the following fraudulent hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  XX/XX/2023 These inquiries were made without my knowledge or consent, and I firmly believe that they are the result of identity theft. As a diligent and responsible consumer, I have always maintained a vigilant approach towards monitoring my credit report. However, due to the sophisticated nature of this fraudulent activity, I regretfully admit that I did not notice these inquiries until recently. 

According to the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have certain rights and protections. Section 1681g ( e ) ( 3 ) ( B ) of the FCRA clearly states that when a consumer disputes the accuracy or completeness of information in their credit file due to identity theft, the consumer reporting agency must block the disputed information from their credit report within four business days of receiving the dispute.

I kindly request that the Consumer Financial Protection Bureau initiates an investigation into this matter and ensures that the aforementioned fraudulent hard inquiries are promptly removed from my TransUnion credit report. By doing so, you will not only be upholding the law but also protecting my rights as a victim of identity theft. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent inquiries have been successfully removed from my credit report. Furthermore, I kindly ask that you provide me with a copy of the updated credit report after the necessary corrections have been made. 

Please feel free to contact me if any further information is required from my end. I look forward to your assistance and resolution of this matter in a timely manner. 

Thank you for your attention to this urgent matter. 

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