Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX I have received some FICO alerts that my credit report had the unauthorized inquires.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX Delete NOW I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im looking forward to receiving and updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I have received some FICO alerts that my credit report had the unauthorized inquires.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Delete NOW Creditor : XXXX XXXXXXXX Inquiry : XX/XX/XXXX Delete NOW I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im looking forward to receiving and updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I have received some FICO alerts that my credit report had the unauthorized inquires.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Delete NOW Creditor : XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Delete NOW I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im looking forward to receiving and updated copy of my credit report reflecting the above correction. Thanking you in advance. 
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