Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida, XXXX. 
LAST XXXX XXXX XXXX XX/XX/XXXX. 



TransUnion Consumer Solutions XXXX box XXXX, XXXX, PA XXXX. 


Subject : Final Warning - Urgent Removal of Inquiries Required Dear XXXX, I hope this letter finds you well. I am writing to express my deep concern regarding the unresolved issue of unauthorized inquiries on my credit report. Despite previous attempts to rectify this matter, I have not received a satisfactory response, and the incorrect information continues to negatively impact my creditworthiness. 

I have noticed several inquiries on my credit report that I did not authorize or initiate. These inquiries are damaging my credit score and causing unnecessary stress and inconvenience. I have made multiple attempts to dispute and remove these unauthorized inquiries through your standard dispute resolution process. However, to my dismay, the inquiries remain on my credit report, and I have not received any resolution or explanation for their presence. 


Inquiries Details : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I understand that as a credit reporting agency, XXXX is responsible for ensuring accurate and fair reporting of consumer credit information. It is disheartening to find that despite my efforts to address this issue, unauthorized inquiries persist on my credit report. 

This letter serves as a final warning and a formal request for immediate action to rectify the situation. I kindly request that you conduct a thorough investigation into the unauthorized inquiries and promptly remove them from my credit report in concordance with : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Failure to address this issue appropriately within specify a reasonable timeframe will leave me with no choice but to explore further legal options and file a complaint with the appropriate regulatory authorities. I would prefer to avoid such measures and resolve this matter amicably. 

I expect open and transparent communication throughout this process. Please provide me with a written response acknowledging the receipt of this letter and outlining the specific steps you will take to investigate and remove the unauthorized inquiries from my credit report. 

I appreciate your immediate attention to this matter and your commitment to resolving it in a timely manner. I trust that you understand the severity of the situation and the potential consequences of continued inaction. 

Thank you for your prompt action. If you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Sincerely, XXXX 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 explanation