Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Subject : Dispute and Deletion of Fraudulent Hard Inquiries on My TransUnion Credit Report Dear Sir/Madam , I am writing to request your assistance in disputing and ultimately deleting several fraudulent hard inquiries that have recently appeared on my TransUnion credit report. I believe that I have been a victim of identity theft, as I have no knowledge of or affiliation with the listed creditors during the specified time frame. The unauthorized inquiries on my credit report are as follows : XXXX XXXX - XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/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 ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX I would like to emphasize that during the aforementioned periods, it was virtually impossible for me to have any financial dealings with these creditors. Here are the reasons why : 1.Geographical Constraints : I resided in other state during the entire specified time frame and had no business or personal ties to the regions where these creditors are based. 

2.Legal Obligations : I had no outstanding loans, credit cards, or financial agreements with any of these entities during the mentioned periods. It is essential to highlight that I have always maintained an impeccable financial record and have never had the need to seek financial services from unfamiliar institutions. 

3.Communication with Creditor : In response to these unauthorized inquiries, I diligently contacted each of the creditors listed above to investigate these inquiries further. To my relief, they confirmed that there were no records of any financial transactions or inquiries associated with my name or social security number. These confirmations from the creditors underscore the fraudulent nature of these entries on my credit report. 

4.I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which empowers me to dispute inaccurate or fraudulent information on my credit report. Moreover, the FCRA also obliges credit reporting agencies to conduct a reasonable investigation into such disputes. It is in light of these rights and the clear evidence of identity theft that I implore the Consumer Financial Protection Bureau to intervene on my behalf. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to remove these fraudulent hard inquiries from my TransUnion credit report promptly. Additionally, I would appreciate it if you could provide me with written confirmation of the resolution of this dispute. 

I would like to thank you in advance for your assistance in resolving this issue and helping to restore the accuracy and integrity of my credit report. If you require any further information or documentation from me, please do not hesitate to contact me at XXXX ( XXXX ) 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 explanation