Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding unauthorized credit inquiries on my credit report, which have significantly impacted my financial well-being and creditworthiness. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce the relevant consumer protection laws that safeguard my rights as a consumer. 

On XX/XX/XXXX, my credit report was subjected to unauthorized inquiries by the following creditors, along with their respective account numbers : XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX  ) - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : [ Account Number ] - Violation : Unauthorized inquiry into credit report on XX/XX/XXXX. 

These unauthorized inquiries have had a profound impact on my financial situation and overall quality of life. The consequences of these actions have been devastating, leading to a tangible decline in my credit score and subsequent challenges in securing affordable financing for essential life needs. 

I would like to share a personal story that illustrates the emotional toll these unauthorized inquiries have taken on my life. As a single parent, I have always strived to provide a stable and secure future for my children. However, the unauthorized inquiries have hindered my ability to secure a reasonable interest rate on a mortgage I was applying for to provide a permanent home for my family. Despite my meticulous financial planning and responsible credit management, these inquiries have marred my credit profile, leading to the rejection of my mortgage application and placing my family 's future in jeopardy. 

I kindly request the Consumer Financial Protection Bureau 's intervention to ensure the enforcement of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, including Sections 604 and 605 of the FCRA. Specifically, I request that the aforementioned creditors remove the unauthorized inquiries from my credit report. Additionally, I urge that any unverified accounts resulting from these inquiries be promptly removed to rectify the damage caused to my credit profile. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will uphold the rights of consumers to fair and accurate credit reporting. I kindly request a written response detailing the actions taken to address these violations and rectify the damage done to my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX 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 non-monetary relief