Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Transunion to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports. I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately. This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Transunion credit report. In the process of looking through my Transunion credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas, XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. The inquiry was not authorized XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 7. The inquiry was not authorized XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 8. The inquiry was not authorized XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 9. The inquiry was not authorized XXXXXXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 10. The inquiry was not authorized XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 11. The inquiry was not authorized XXXXXXXX XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 12. The inquiry was not authorized XXXX XXXX XXXX- Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 13.The inquiry was not authorized XXXX  XXXX- Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 14.The inquiry was not authorized XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 15. The inquiry was not authorized XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. 16. The inquiry was not authorized XXXX XXXX - Inquiry Date : [ XX/XX/XXXX ] Please remove this inaccurate information from my credit report. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Transunion credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified Metro 2 compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.

As a consumer, I am protected under the FCRA, which states that a person must provide written authorization or have a permissible purpose for a creditor to access my credit report. I do not recall giving my written consent for these hard inquiries, and I have no record of any transactions or applications that would have required such inquiries. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a prompt investigation of these unauthorized hard inquiries. If the investigation determines that these inquiries were indeed made without my permission, I ask that they be removed from my credit report immediately, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Given my intention to apply for a home mortgage in the near future for my family, it is of utmost importance that my credit report accurately reflects my creditworthiness. Hence, I respectfully request the immediate removal of these disputed inquiries from my credit report. 
Furthermore, I would like to request a written confirmation of the completion of the investigation and the removal of these unauthorized inquiries. If you require any additional information to process this dispute, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. I trust that you will handle my dispute in accordance with the FCRA and other applicable laws.To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.

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