Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my dissatisfaction with the response received from TransUnion regarding the dispute I filed through the portal. The investigation conducted by TransUnion did not adequately address the core issues raised in my dispute, particularly concerning the unauthorized inquiries on my credit report. On XX/XX/2023, I filed a dispute through TransUnion 's portal, contesting the accuracy of certain inquiries appearing on my credit report. 

The unauthorized credit inquiries are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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, and XXXX. 

These inquiries were not authorized by Permissible Purpose and were conducted without my explicit authorization, which raises significant concerns about the legitimacy of the information on my credit report. TransUnion 's Response : In response to my dispute, TransUnion sent me a letter stating that they were investigating the information I disputed and requested proof of address, along with a list of acceptable documents and instructions on where to send it. While I appreciate the request for proof of address, it is essential to emphasize that the primary dispute centered around unauthorized inquiries, not the address information. As such, the investigation should have focused on the legitimacy of the inquiries and the presence of Permissible Purpose. Furthermore, TransUnion 's response attempted to justify the inclusion of inquiries on my credit report by explaining that they remain for two years. However, this response fails to address the crucial point of whether these inquiries were made with a valid Permissible Purpose and authorized by me. Violations of Consumer Financial Protection Act ( CFPA ) : The Consumer Financial Protection Act ( CFPA ), Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act - 12 U.S.C. 5481-5603, regulates consumer reporting agencies ' conduct, such as TransUnion. The CFPA requires that consumer reporting agencies adhere to strict standards in their reporting practices, including ensuring that the information they furnish is accurate and based on a valid Permissible Purpose. TransUnion 's failure to address the unauthorized inquiries and their lack of evidence for a valid Permissible Purpose represents a violation of the CFPA. The suggestion to contact the company directly and the omission of a thorough investigation into the inquiries ' legitimacy are not compliant with the CFPA.

Additionally, I urge TransUnion to take the necessary steps to rectify any inaccuracies found during the reinvestigation process. This includes the removal of any unauthorized inquiries from my credit report and ensuring its accuracy and compliance with the CFPA.

I trust that TransUnion will treat this matter with the seriousness it deserves and take the appropriate actions to rectify the inaccuracies on my credit report. A proper investigation into unauthorized inquiries is essential to maintaining the accuracy and integrity of my credit profile.

Please provide a written response to this dispute request, acknowledging the reopening of the investigation and detailing the actions taken to address the issues raised. Your prompt and satisfactory resolution to this matter is greatly appreciated. Thank you for your attention to this dispute and for your adherence to the Consumer Financial Protection Act ( CFPA ).

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