Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, I am writing this letter to formally dispute and request the removal of several fraudulent inquiries listed on my TransUnion credit report. I am a victim of identity theft, and I believe that these inquiries were made without my knowledge, authorization, or involvement. It has come to my attention that the following inquiries were made on my credit report : XXXX XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX XXXX XXXX - Miscellaneous Banks - XX/XX/XXXX XXXX XXXX - Auto Loans- XX/XX/XXXX XXXX XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX - Miscellaneous Banks- XX/XX/XXXX XXXX XXXX - Credit Unions- XX/XX/XXXX XXXX XXXX - Auto Loans- XX/XX/XXXX XXXX XXXX - Auto Dealers, Used - XX/XX/XXXX XXXX XXXX - Auto Dealers, Used - XX/XX/XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX - Credit Unions- XX/XX/XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX - Credit Bureaus/Mortgage Processing - XX/XX/XXXX XXXX XXXX XXXX - Auto Financing - XX/XX/XXXX XXXX - Credit Bureau Inquiries- XX/XX/XXXX XXXX XXXX - Miscellaneous Finance - XX/XX/XXXX XXXX XXXX - Auto Financing - XX/XX/XXXX I would like to emphasize that these inquiries do not correlate with any legitimate financial activity that I have been involved in during the stated timeframes. For instance : Auto Financing Inquiries ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) : I have not pursued any auto financing or applied for loans with any of these creditors. The timeframe of these inquiries falls within a period where I was not considering any vehicle purchases or financing arrangements. 

Miscellaneous Banks ( XXXX XXXX XXXX, XXXX ) : I maintain accounts solely with reputable financial institutions and have never sought or engaged with the mentioned miscellaneous banks. The listed inquiries have no basis in my financial history. 

Credit Unions ( XXXX XXXX, XXXX ) : During the specified dates, I did not have any intentions or interactions that would involve credit union inquiries. I have never contacted or initiated business with these credit unions. 

Credit Bureaus/Mortgage Processing ( XXXX ) : I have not engaged in any mortgage-related activities or communicated with credit bureaus for mortgage processing purposes as indicated by the XXXX inquiry. 

Miscellaneous Finance ( XXXX XXXX ) : The listed inquiry from XXXX XXXX is entirely unfamiliar to me, and I can affirmatively state that I have not participated in any financial dealings with this entity. 

I have taken the necessary steps to rectify this situation by contacting the listed creditors directly. In each case, I explained the situation and was informed by their representatives that there were no legitimate dealings with my identity during the aforementioned timeframes. The confirmation from these creditors underscores the fact that these inquiries are indeed fraudulent and should not be associated with my credit history. 

As a victim of identity theft, I am protected under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft Protection Act. I hereby request that you conduct a thorough investigation into these inquiries and take the appropriate measures to remove them from my credit report. These fraudulent entries not only tarnish my creditworthiness but also pose a significant threat to my financial stability and peace of mind. 

I kindly request your assistance in promptly resolving this matter. Your support in rectifying this situation and ensuring the accuracy of my credit report is greatly appreciated. 

Please feel free to contact me at XXXX or ( XXXX ) XXXX if you require any additional information or documentation to expedite this process. I look forward to a prompt resolution of this matter and the removal of the fraudulent inquiries from my TransUnion credit report. 

Thank you for your attention to this pressing issue. 

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