Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my extreme dissatisfaction and frustration with the persistent mishandling of my credit report by Transunion. The matter at hand involves numerous instances where my credit score has suffered due to unauthorized hard inquiries, particularly by XXXX XXXX, and subsequent inadequate corrections by Transunion. On XXXX XXXX XXXX I was alerted by XXXX and XXXX XXXX about changes to my credit report. Investigation revealed an unauthorized hard pull by XXXX XXXX, an action I neither authorized nor initiated. Despite immediately reaching out to Transunion the response was shockingly insufficient. My credit score decreased significantly. After requesting to dispute this hard inquiry with Transunion and offering to provide XXXX XXXXXXXX XXXX reference number ( XXXX fraudulent application with notes stating : closed application ), I was told the dispute can not be made over the phone. Thus, my credit score with Transunion has remained unchanged with the significant score drop. This pattern of losing more points than regained after unauthorized inquiries is a recurring and unacceptable issue. My credit score should have passed XXXX by now but because of the inaccurate Transunion reporting and the pattern of hard inquiries from the same XXXX XXXX, my score continues to suffer with Transunion. The proactive measure of freezing my credit file, which should prevent unauthorized inquiries, has proven ineffective against XXXX XXXXXXXX XXXX  persistent actions. This is a blatant disregard for my rights as a consumer and a failure in ensuring the security of my credit information. I only had the freeze temporarily lifted upon suggestion from a XXXX XXXX XXXX representative when I went to open a checking and savings account with them. Moreover, the reporting inaccuracies from Transunion have further compounded the problem. Examples of this are not updating my accounts accurately by not providing the correct monthly balance updates.This egregious error has had a severe impact on my credit score, hindering my financial plans, particularly my ability to proceed with a house purchase. I shouldn't have to constantly have to reach out to the CFPB to help me get my information corrected, updated, and protect my security. This is unacceptable. I have already let Transunion know that I have not requested credit from XXXX XXXX nor authorized this! I am in shock that Transunion will not allow me to dispute an account inquiry that I have not authorized and furthermore, given the proof provided to me by XXXX XXXX with the reference number stating it is fraudulent!!! This is unacceptable on the part of Transunion!! What is wrong with this picture?? I need the escalations department from Transunion to step in and do something about this

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