Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXI Inquiry XXXX Phone Number XXXX XXXX All Banks - non specific XXXX Inquiry Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX. XXXX XXXX XXXX XXXX Inquiry Date XXXX Auto Financing Companies XXXX XXXX XXXX Inquiry Date XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX Dispute Inquiry Type : Automobile Dealers, New XXXX XXXX Inquiry XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Automobile Dealers, Used XXXX these are all fraudulent inquiries that are from XXXX. I have called multiple times to speak with him about the inquiries that are on my consumer report. I was told that I couldnt file a dispute for these inquiries that are on my consumer report. These are the inquiries from Transunion I was told by Transunion that I couldnt file a dispute.XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX Inquiry Date XXXX XXXX Automotive XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Department, variety, local, regional, and national chains XXXX Dispute Inquiry Type : Banks and XXXX & XXXX XXXX XXXX Inquiry Date XXXX XXXX Banks and XXXX & XXXX XXXX and these are the inquiries from XXXX as well. I called him, contacted him and try to have these inquiries removed, which were fraudulent and I over and over went over it with him about how theyre fraudulent. XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX All Banks No Phone Provided Dispute Inquiry Type : XXXX XXXX XXXX XXXX Inquiry Date Phone Number XXXX XXXX Credit Unions Inquiry Type : Auto Financing XXXX XXXXXXXX Inquiry Date XXXX XXXX. XXXX, and XXXX.and Transunion According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. To Whom It May Concern : Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed ( XXXX XXXX ) ( VIOLATION UNDER FCRA {$1000.00} ). 15 US C 1681 section 602 A. States I have the right to privacy. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written {$1000.00} ) 15 U.S.C 1692c ( VIOLATION UNDER FCRA {$1000.00} ). Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ALSO, FAILURES TO BLOCK ALL INFORMATION OBTAINED FROM IDENTY THEFT 15 USC 1681c-2 ( VIOLATION UNDER FCRA XXXX ) am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( Debt collector name ) is attempting to collect a debt from I. the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( Debt Collector name ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constilutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( Debtcollector name ) for the account opened ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

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 non-monetary relief