Consumer complaint received 2023-06-01
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 dispute a fraudulent hard inquiry that recently appeared on my TransUnion credit report. I believe this inquiry to be fraudulent and request its immediate removal from my credit report. As a victim of identity theft, I am deeply concerned about the potential consequences that this fraudulent inquiry may have on my creditworthiness and financial stability. 

The details of the fraudulent hard inquiry are as follows : Creditor Name : XXXXXXXX XXXX  Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/2023 I would like to provide substantial evidence to support my claim of fraudulence. Firstly, I have never had any prior relationship or interaction with XXXXXXXX XXXX  and I can assure you that I did not initiate any credit application or authorize any inquiry from this institution. This unauthorized inquiry is a clear violation of my rights as a consumer and places an unjustifiable burden on my financial standing. 

Moreover, I diligently monitor my credit report and transactions on a regular basis. However, due to the sophisticated nature of the fraudulent activities, I regrettably did not notice this fraudulent hard inquiry until recently. I believe the perpetrators strategically timed the inquiry to go unnoticed, thereby exploiting my trust and causing significant harm to my credit profile. 

I kindly request that you take immediate action to investigate this matter thoroughly and delete the fraudulent hard inquiry from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to accurate and fair credit reporting, as well as the ability to dispute any incorrect or fraudulent information on my credit report. 

Section 611 of the FCRA stipulates that credit reporting agencies must conduct a reasonable investigation into any dispute raised by consumers and correct any inaccurate or incomplete information within 30 days of receiving such a dispute. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers and enforcing these legal rights. 

Enclosed with this letter are copies of my identification documents, including my driver 's license and Social Security card, to verify my identity and support my claim. 

I kindly request that you notify me in writing of the outcome of your investigation and provide a corrected credit report, free from any fraudulent information, within the statutory timeline. I also expect to receive documentation confirming the removal of the fraudulent hard inquiry from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this fraudulent activity and restoring the accuracy and integrity of my credit report. Please do not hesitate to contact me if you require any further information or documentation. 

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 explanation