Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a matter of utmost importance regarding my TransUnion credit report. It has recently come to my attention that there are several fraudulent hard inquiries listed on my report, specifically dated on various occasions between XX/XX/XXXX, and XX/XX/XXXX. I am deeply concerned about the potential implications these inquiries may have on my creditworthiness and overall financial well-being. 

I would like to assert that I have never had any dealings or business relationships with the following entities, which are listed as the sources of these fraudulent hard inquiries on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Auto Financing XXXX - Auto Financing XXXX  - Auto Financing XXXX XXXX - Auto Loans XXXX XXXX - Bank XXXX XXXX XXXX - Auto Financing XXXX XXXX XXXX - Auto Financing XXXX XXXX XXXX - Auto Financing XXXX XXXX - Bank Credit Cards I find it deeply concerning that these hard inquiries were made without my knowledge or consent, as they have the potential to harm my credit score and financial reputation. Furthermore, I have diligently monitored my credit activities and statements, and I assure you that I have never initiated or authorized any transactions with these companies or individuals. It is evident that these inquiries are a result of fraudulent activities targeting my credit profile. 

I kindly request the immediate deletion of these fraudulent hard inquiries from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or fraudulent information on my credit report and have it promptly investigated and rectified. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that consumers have the right to request the removal of inaccurate or unauthorized information from their credit reports. 

I kindly request that you initiate an immediate investigation into these fraudulent hard inquiries and take the necessary steps to delete them from my TransUnion credit report. Furthermore, I urge you to extend the investigation to ascertain the origin and motive behind these unauthorized inquiries, as it is essential to identify and hold accountable the individuals responsible for this fraudulent activity. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please inform me in writing of the actions taken and any updates regarding the progress of the investigation. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers ' rights and ensuring the accuracy and integrity of credit reports. 

Thank you for your cooperation and assistance in rectifying this matter. Should you require any additional information or documentation, please do not hesitate to contact me at the provided email address or phone number. 

Yours 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