Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Credit Inquiries Dear TransUnion , I hope this letter finds you well. I am writing to request the removal of certain credit inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following inquiries are negatively impacting my creditworthiness : 1. XXXX Inquired on XX/XX/XXXX, by a Finance other than personal business at XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Miscellaneous and public record business at XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX  Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Credit card and travel / entertainment companies business at XXXX XXXX XXXX, XXXX, XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and XXXX XXXX XXXX business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX  Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX  Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX, DE XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX, by XXXX other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX FIXXXX XXXX XXXXXXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

According to the FCRA and FACTA, I have the right to dispute inaccurate or incomplete information on my credit report, and I believe that these credit inquiries were not authorized by me or are otherwise inaccurate. Therefore, I kindly request that TransUnion investigate these inquiries and, if found to be inaccurate or unauthorized, remove them from my credit report.

I have enclosed copies of supporting documentation, including proof of my identity and any evidence I have that these inquiries are inaccurate or unauthorized.

Please acknowledge receipt of this dispute letter within five business days and initiate the investigation as required by law. I understand that the FCRA mandates that this investigation be completed within 30 days, and I eagerly anticipate your prompt response.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccurate inquiries from my credit report. You can contact me at XXXX or XXXX if you require any further information. 

Sincerely,

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