Consumer complaint received 2023-06-22
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 bring to your attention a grave matter of fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of this fraudulent activity, I kindly request your assistance in promptly investigating and removing these unauthorized inquiries, as they are significantly impacting my creditworthiness and financial stability. 

The following fraudulent hard inquiries have been identified on my TransUnion credit report : XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I would like to state categorically that I have never engaged in any financial transactions or had any dealings with the aforementioned institutions, nor have I sought any form of credit or services from them. The presence of these hard inquiries on my credit report is a clear indication of fraudulent activity perpetrated by an unknown party. It is distressing to note that I was unaware of these inquiries until recently, as I was unable to access my credit report from fall last year until XXXX of XXXX due to unforeseen circumstances. 

During the aforementioned period, I faced an unexpected personal situation that demanded my immediate attention and left me unable to monitor my credit report effectively. This situation, which I would rather not disclose due to its sensitive nature, lasted for several months and prevented me from engaging in routine financial activities, including checking my credit report. 

I understand the importance of regularly monitoring my credit report, and I regret that I was unable to do so during the aforementioned period. However, I firmly believe that my rights as a consumer have been violated, and I am seeking your support in rectifying this situation. The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair credit reporting, ensuring the integrity of their credit history. I am confident that the Consumer Financial Protection Bureau will take the necessary measures to protect these rights and help me regain control over my creditworthiness. 

I kindly request an immediate investigation into these fraudulent hard inquiries and their subsequent removal from my TransUnion credit report. The presence of these unauthorized inquiries is not only damaging my credit score but also impeding my ability to secure new credit, loans, or financial opportunities. I urge the Consumer Financial Protection Bureau to exercise its authority to correct this erroneous information and safeguard my consumer rights. 

I have attached supporting documents, that may assist in your investigation. I am available for any additional correspondence or clarification that you may require to facilitate this process. 

Thank you for your attention to this matter. I am hopeful that the Consumer Financial Protection Bureau will act swiftly and decisively in resolving this issue and ensuring that my credit report reflects accurate and legitimate information. I look forward to a positive resolution and appreciate your assistance in rectifying this distressing situation. 

Yours 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