Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX Fraud Department in an attempt to remove fifteen ( 15 ) hard credit inquiries found within my consumer credit report. After 3 failed attempts ( 3 calls and 3 denials to remove the inquiries ), I was finally successful at reaching an honorable personnel of the XXXX Fraud Department considerate enough to assist in the interest of removing such accounts. The personnel attempted to verify various records held within their system pertaining to whatever verifiable information stored within their records ( information that should have been known by myself ) and none of the information recorded- except for one record, could I personally verify as correct. After further review, suspicious activity was therefore declared and all 15 hard inquiry accounts removed. ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer & original creditor ) contacted TransUnion Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing the TransUnion credit report of which disclosed seven ( 7 ) hard credit inquiries ; I came to the conclusion that not all of the accounts shared via XXXX 's credit report were the same as with TransUnion 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to contact the corporations listed to have them remove the accounts themselves. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled TransUnion for referenced account inquiry details ) XX/XX/2023, I ( the consumer ) contacted XXXX Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing my XXXX consumer credit report of which disclosed four ( 4 ) hard inquiry accounts. I came to the conclusion that the accounts shared via XXXX 's credit report & TransUnions credit report were not the same as with XXXX 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to file a complaint with the FTC and deliver a record of such complaint to XXXX Dispute Department before a correction can be made. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled XXXX for referenced account inquiry details ) Please allow the record to reflect that : I am aware as per Title 15 USC 1692 ( a ), Title 15 USC 1692 ( a ) ( 3 ), Title 15 USC 1602 ( p ), Title 15 USC 1602 ( g ) and Title 15 USC 1681 ( a ) ( 4 ) that I am the creditor ( the one issuing the credit, a natural person ) and the consumer and as the consumer I have a right to privacy ( be it of my private information i.e. : SSN, Address, Name and etc ) and the use of such social security card ( credit card ) without consent is unauthorized use thus constituting identity theft and Congress declared that consumer reporting agencies have a grave responsibility to insure fairness, impartiality and respect for the consumers right to privacy. 

I am aware that Title 15 USC 1681a ( q ) ( 3 ) & REG V 12 CFR 1022.3 states that identity theft is a fraud committed or attempted, using the identifying information of another person without authority - and since no authority was given nor can be brought forwards or proven then the hard inquiry accounts were made via identity theft and such access granted is a violation of my privacy. 

I am aware that Title 15 USC 1681 ( b ) & Title 15 USC 1681b ( e ) ( 6 ) states that Congress has declared as requirement that consumer reporting agencies take reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy and proper utilization of such information and that " Each credit reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. '' ( Meaning that all agencies shall reflect the same record ) I am also aware that Title 15 USC 1681 ( c ) ( f ) states that " If a consumer reporting agency is notified pursuant to section 1681s ( 2 ) ( a ) ( 3 ) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

I am also aware that Title 15 USC 1681b ( a ) ( 2 ) states that subject to subsection ( c ) ( Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : and shall be in accordance with the written instructions of the consumer to whom it relates. 

I am also aware that Title 15 USC 1681s ( 2 ) ( a ) ( 3 ) states the duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am also aware that Title 15 USC 1681 ( q ) states that Any person which includes a consumer reporting agency who willfully and knowingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18.

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