Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 hope this letter finds you well. I am writing to formally dispute and request the removal of several fraudulent inquiries that have appeared on my TransUnion credit report. It has come to my attention that I am a victim of identity theft, and I assure you that I have never had any dealings or associations with the listed creditors during the specified periods. 

Inquiries on my TransUnion Credit Report : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX, New XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion I firmly assert that it is implausible for me to have obtained any loans or credit cards from the mentioned creditors within the respective periods. The reasons are as follows : 1.Geographical Impossibility : During the stated periods, I was residing in a different state far from the locations of the creditors mentioned. Any application for credit would be unrealistic as I could not have physically visited those banks or dealerships.

2.Financial Situation : My financial status during those periods did not allow me to consider taking on any additional credit or loans. I was dealing with financial challenges that made it impossible to pursue any such transactions. 

3.Employment and Income : I can provide official documentation from my employer confirming that my income did not meet the minimum requirements for the credit products associated with these inquiries. As such, it would have been unfeasible for me to obtain credit or financing during those periods.

4.Confirmation from Creditors : I have already contacted all the listed creditors, and they have explicitly stated that they have no records of any applications or accounts associated with my name or personal information. Their confirmation supports my claim of fraudulent activity.

As a law-abiding citizen, I hold dear my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). Both acts emphasize that consumers have the right to dispute and correct inaccurate information on their credit reports, especially in cases of identity theft. 

Under the FCRA, I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these fraudulent inquiries. Moreover, I would appreciate your assistance in promptly contacting the listed creditors to verify the fraudulent nature of these inquiries. I am more than willing to cooperate in any further actions required to protect my rights and rectify this matter. 

I kindly request that the Consumer Financial Protection Bureau expedite this dispute process due to the severity of the matter. As these fraudulent inquiries have had a detrimental impact on my creditworthiness, I am eager to resolve this issue promptly to restore my credit standing and financial stability. 

Thank you for your understanding and assistance in resolving this distressing situation. Please do not hesitate to contact me if further information is needed. I look forward to your response and a positive resolution to this matter. 

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