Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. Inquiries XXXX XX/XX/XXXX TransUnion I'm writing because there's an unauthorized inquiry on my credit report that I need removed. Can you please investigate and take care of this for me? Thirty days from now, I would also appreciate a full report on what was found during your investigation. 
This unauthorized inquiry is making it difficult for me to obtain new credit. 
XXXX XXXX  XX/XX/XXXX TransUnion The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX TransUnion The law states that you must give permission before someone accesses your personal information. This should never have happened without verification of an application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. 
XXXX  XX/XX/XXXX TransUnion .I received a credit report from you that showed some companies that are unfamiliar to me. I believe they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S.

Code, 15, U.S.C & 1681 es seq. Section 604, all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. If you can't provide proof that you had a permissible purpose for this inquiry, please have it removed from my credit file. 
XXXX XX/XX/XXXX TransUnion I contacted the creditors who placed these unauthorized inquiries on my credit report and asked them to remove them and to cease their illegal activities. I also asked them to respond to my request, but to date there have been no responses from their office. More than 30 business days have passed since I sent the letter, and they have failed to respond or honor my request. So, I am asking for your help to resolve this matter. According to the Fair Credit Reporting Act, you are required to investigate this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy. If you find the inquiry to be valid, I would appreciate a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
XXXX XX/XX/XXXX TransUnion I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
XXXX XXXX XXXX XX/XX/XXXX TransUnion I was not aware that companies were looking for my personal information. The inquiry on my credit report was not familiar to me, but it looks like the company did not get my permission before checking my credit score. This is not possible unless they have a permissible purpose according to U.S Code & 1681 es seq section 604, which states that all users must have a reason to check someone's credit score. Please remove this or send me documentation proving how this is allowed. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report and request my credit score. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. 
The presence of this inquiry is adversely affecting my credit score and is impeding my ability to obtain necessary credit. Time is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 1 of 5 of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
XXXX XXXX XX/XX/XXXX TransUnion I am writing to you to ask that you remove the inquiries listed here from my credit report. I did not authorize any of these companies to view my credit history and they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Please remove them immediately. 
XXXX XX/XX/XXXX TransUnion I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company. 
XXXX  XX/XX/XXXX TransUnion Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion Since I noticed unauthorized inquiries on my personal credit report, I contacted the creditors who placed them and asked them to remove them and to cease their illegal activities. To date, they have failed to respond or honor my request, so I am reaching out to you for help. According to the Fair Credit Reporting Act, I request that you immediately initiate an investigation into this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you find the inquiry to be valid, I request that you send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
XXXX XXXX XX/XX/XXXX TransUnion I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file. 
XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were credit inquiries by companies that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
XXXX XX/XX/XXXX TransUnion While checking my most recent credit report, I noticed credit inquiries that I did not authorize! I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act, and a serious breach of my privacy rights. Please verify and validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
XXXX  XX/XX/XXXX TransUnion This is not right! I received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681e ( a ) Seg. 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. 
According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there? 
XXXX XX/XX/XXXX TransUnion XXXX was really shocked when I found out that someone could do an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see this information without permission from me first. The Fair Credit Reporting Act says that no one is allowed access to this information without the proper paperwork, so please provide these documents immediately or delete any potential inquiries related to this company. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 5 I received a copy of my credit report and noticed a credit inquiry from a company that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiry. 
XXXX XX/XX/XXXX TransUnion I am writing to request that you remove the inquiries listed on my credit report. I have not authorized any of the companies listed to view my credit history, and I believe that their inquiries are in violation of the Fair Credit Reporting Act. I would appreciate if you could remove these inquiries immediately. 
XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
XXXX XXXX XXXXXX/XX/XXXX TransUnion .I didn't know that there were companies out there looking for my personal information. The company that appeared on my credit report was not one that I was familiar with, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. 
XXXX XXXXXX/XX/XXXX TransUnion I would like to formally request that the inquiries listed below be deleted from my credit report. I have not authorized these companies to view my credit history, so they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately. 
XXXX XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states that no one may access your information without permission from YOU first, so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of-business venture through their company, as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
XXXX XXXX XX/XX/XXXX TransUnion I've been trying to get a loan from my bank, but they keep telling me that I have too many inquiries on my credit report. So, I decided to dig a little deeper and found an unauthorized inquiry on my credit report. I'm writing to dispute this inquiry and to ask for their removal from my credit report. Please have this unapproved inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. 
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were unauthorized credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so I would appreciate it if you could remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
XXXX XX/XX/XXXX TransUnion I recently discovered that someone has been looking into my credit file without my knowledge or consent. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), and I would like to see documentation proving that this investigation was conducted in compliance with FCRA guidelines. Please respond as soon as possible. 
XXXX XXXX  XX/XX/XXXX TransUnion! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible! 
XXXX XXXX XX/XX/XXXX TransUnion I didn't know that companies could look for my information without my permission. The company on my credit report was unfamiliar to me, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose according to U.S Code & 1681 es seq section 604, which states that all users must have a permissible purpose when using consumer reports. Please remove this or send me documentation proving how we can use these types of inquiries accordingly. 
XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 3 of 5 access your information without permission from YOU first! Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. 
XXXX  XXXX XXXX XX/XX/XXXX TransUnion According to the Fair Credit Reporting Act, no one can access my credit without my permission in order to extend credit. Section 604 of the act states that all users must have a permissible purpose under the FCRA in order to obtain a consumer report. If the credit inquiries are not authorized, I challenge their reporting and request proof of permissible purpose. This should be documented with a credit application that includes my signature, confirming that I applied for credit with this company. If these conditions are not met, the inquiries should be deleted immediately. 
XXXX XXXX XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all! 
XXXX  XXXX XX/XX/XXXX TransUnion .It seems that a few unfamiliar companies have put an inquiry on my credit report, but I'm not sure how they could have done that without my permission. The U.S. Code states that anyone who obtains a credit report must have a 'permissible purpose ' under the Fair Credit Reporting Act. Can you please remove this inquiry from my credit file, or provide me with documentation that shows you have a valid reason for making it? 
Respectfully, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXXXXXX XXXX XXXX XXXXXXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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