Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. 

I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TRANSUNION, XXXX, AND XXXX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request.

Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report.

Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports.

Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA.

Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

The inquiries that need to be deleted are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX Cred You applied for credit on XX/XX/XXXX space XXXX XXXX XXXX You applied for XXXX on XX/XX/XXXX transunion : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/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