Consumer complaint received 2023-06-22
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 bring to your attention the presence of multiple fraudulent hard inquiries on my TransUnion credit report, which I recently obtained. I have discovered these inquiries on XX/XX/2023, and I am certain that I am a victim of identity theft. I kindly request your assistance in investigating and promptly removing these inquiries from my credit report. 

The following hard inquiries, listed with their respective companies and dates, are fraudulent and do not reflect any legitimate financial transactions or interactions on my part : XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 I can assure you that I have never initiated any financial dealings or transactions with the aforementioned companies. Furthermore, I have maintained a responsible approach to my credit history and have diligently reviewed my credit reports in the past. Unfortunately, due to extenuating circumstances, I was unable to access my credit report since XX/XX/2023, which is when the fraudulent activity took place. 

The reasons for my inability to check my credit report during this period were due to a personal health crisis that required my full attention and extensive medical treatment. This unexpected situation left me physically and emotionally overwhelmed, making it impossible for me to address my financial matters, including credit monitoring. Consequently, the fraudster had an opportunity to exploit my information undetected. 

I am aware of the rights granted to me as a consumer under the Fair Credit Reporting Act ( FCRA ). According to Section 609 ( a ) ( 1 ), I have the right to request the deletion of inaccurate or fraudulent information from my credit report. Furthermore, Section 611 ( a ) ( 1 ) ( A ) stipulates that consumer reporting agencies must investigate any disputed information within a reasonable timeframe, which I trust will be honored in this case. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf and initiate an investigation into the fraudulent hard inquiries listed above. I request that you contact the relevant companies, verify the fraudulent nature of these inquiries, and request their immediate removal from my credit report. 

I am more than willing to provide any additional information or documentation required to assist in the investigation process. I have enclosed copies of my identification documents, proof of address for your reference. 

I sincerely appreciate your attention to this matter and the prompt resolution of this unfortunate situation. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers like myself from fraudulent activities and maintaining the integrity of our credit reporting system. 

Please do not hesitate to contact me should you require any further information or clarification. I can be reached at the provided contact details. 

Thank you for your understanding and prompt assistance in rectifying this matter. I eagerly await your response. 

Please note that my actual address is the one that on " XXXX of XXXX ''. 

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 non-monetary relief