Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I have filed a police report because I have made multiple attempts to remove these fraudulent inquiries from my consumer report. Here is a copy of that letter. 


TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXXXXXX  CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for TransUnion Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX? This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX Inquiries 1 ) XXXX XXXX XXXX TransUnion I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately. Thank you. 

2 ) XXXXXXXX XXXX XXXX TransUnion I contacted the creditors who placed these unauthorized inquiries on my credit report and asked them to remove them and to cease their illegal activities. I also asked them to respond to my request, but to date there have been no responses from their office. More than 30 business days have passed since I sent the letter, and they have failed to respond or honor my request. So, I am asking for your help to resolve this matter. According to the Fair Credit Reporting Act, you are required to investigate this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy. If you find the inquiry to be valid, I would appreciate a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

3 ) XXXXXXXX XXXX XXXX TransUnion I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. 
XXXX XXXXXXXX TransUnion Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. 
XXXX XXXX  XXXX XXXXXXXX XXXXXXXX TransUnion I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. 
5 ) XXXX XXXX XXXX TransUnion .I received a credit report from you that showed a few unfamiliar companies. It seems they made an inquiry on my file without my knowledge, but this shouldn't be possible without my approval. Section 604 of the U.S. Code, 15, U.S.C & 1681 es seq. states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please remove this inquiry from my credit file or provide me with documentation ( physical proof ) that you have a permissible purpose for this inquiry. 

6 ) XXXX XXXX TransUnion I received a copy of my credit report and noticed that there were unauthorized credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so I would appreciate it if you could remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
In appreciation According to the law, you and data furnishers must certify all aspects of required FCRAXXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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