Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 several fraudulent hard inquiries on my TransUnion credit report. As a victim of identity theft, I am deeply concerned about the potential negative impact these inquiries may have on my creditworthiness and financial stability. I kindly request your assistance in promptly investigating and deleting these fraudulent inquiries from my credit report. 

I discovered the fraudulent hard inquiries on XX/XX/XXXX while reviewing my credit report, and I was shocked to find numerous inquiries that I never authorized or initiated. The following unauthorized hard inquiries are currently listed on my TransUnion credit report : XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX The presence of these fraudulent inquiries is deeply distressing as they indicate unauthorized attempts to obtain credit under my name. I assure you that I have always been vigilant about monitoring my credit activities, but unfortunately, I did not notice these inquiries earlier due to the following reasons, which are a testament to the sophisticated nature of the identity theft : XXXXSophisticated Spoofing Techniques : The perpetrators may have employed advanced techniques to manipulate the inquiry notifications, making them appear as legitimate inquiries from reputable financial institutions. As a result, the fraudulent nature of these inquiries was not immediately evident. 

XXXX.Delayed Notification : The delay in receiving notifications from TransUnion regarding the inquiries contributed to the late discovery of the fraudulent activities. These delays may have been caused by logistical issues or technical glitches, preventing me from promptly identifying and addressing the fraudulent inquiries. 

I kindly request that the Consumer Financial Protection Bureau exercise its authority under the Fair Credit Reporting Act ( FCRA ) and take immediate action to delete these fraudulent hard inquiries from my TransUnion credit report. According to the FCRA, consumers have the right to accurate and fair credit reporting, and it is the responsibility of credit reporting agencies to ensure the removal of any inaccurate or unauthorized information. 

I kindly request that you conduct a thorough investigation into this matter and expedite the removal of these fraudulent hard inquiries from my credit report. Timely resolution of this issue is crucial to safeguarding my financial well-being and restoring the integrity of my credit profile. 

Thank you for your attention to this matter. I am confident in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I trust that you will take swift action to rectify this unfortunate situation. I eagerly await your prompt response and a favorable resolution to this matter. 

Sincerely, 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 non-monetary relief