Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding my Transunion credit report. It has come to my attention that there are several hard inquiries listed on my report that I believe to be fraudulent. As a victim of identity theft, I kindly request your assistance in investigating and removing these erroneous inquiries from my credit file. 

Below is a list of the fraudulent hard inquiries along with the associated companies and dates : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I would like to bring to your attention the following reasons why I believe these hard inquiries are fraudulent : TIMELY NOTIFICATION : I diligently monitor my credit report and financial accounts, which allowed me to detect these fraudulent inquiries promptly. As a responsible consumer, I take great care in regularly reviewing my credit information. Hence, the swift identification of these unauthorized inquiries demonstrates my commitment to maintaining a healthy credit profile. 

UNFAMILIAR COMPANIES : Many of the companies listed are entirely unfamiliar to me. I have never engaged in any financial transactions or sought credit from these entities. The presence of these inquiries is highly suspicious and points towards fraudulent activity. 

EXCESSIVE NUMBER OF INQUIRIES : The number of inquiries within a short span of time, as evidenced by the dates listed, is highly unusual. It is implausible that I would have initiated so many credit applications within such a concentrated period. This abnormal pattern strongly suggests unauthorized access to my personal information. 

VIOLATION OF RIGHTS : These fraudulent inquiries not only compromise my personal and financial security but also infringe upon my rights as a consumer. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or unauthorized information on my credit report. I kindly request your support in upholding these rights and rectifying the situation accordingly. 

In light of the aforementioned circumstances, I urge you to conduct a thorough investigation into these fraudulent hard inquiries. I kindly request that you remove them from my Transunion credit report immediately, as they are tarnishing my creditworthiness and threatening my financial well-being. 

Enclosed with this letter, you will find copies of relevant documents that support my claim, as well as any additional evidence required for your investigation. 

I sincerely appreciate your attention to this matter and your commitment to consumer protection. Should you require any further information or documentation, please do not hesitate to contact me at the provided email address or phone number. I eagerly await your prompt response and resolution of this issue. 

Thank you for your understanding and cooperation. 

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 non-monetary relief