Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I kindly request the immediate removal of the following unauthorized inquiries : Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 These inquiries were made without my consent, knowledge, or involvement. I am deeply concerned about the impact they may have on my creditworthiness and overall financial well-being. I assure you that I have taken the necessary steps to address this issue promptly upon discovering the fraudulent activities. 

Allow me to present the following evidence and circumstances surrounding these fraudulent inquiries : 1.Lack of Notification : Despite being a vigilant consumer who regularly monitors their credit report, I regret to inform you that I did not receive any notifications or alerts regarding these unauthorized inquiries. The absence of such notifications has hindered my ability to identify and address these fraudulent activities in a timely manner.

2.Sophisticated Identity Theft Techniques : The perpetrators of this identity theft have employed sophisticated techniques to conceal their actions and bypass security measures. They may have used advanced hacking methods or acquired my personal information through data breaches, making it extremely challenging for me to detect the fraudulent inquiries. 

3.Legal Rights and Provisions : As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's regulations. According to the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Additionally, the FCRA mandates that credit reporting agencies investigate and correct any inaccuracies or fraudulent activities promptly. I firmly believe that the law is on my side in this matter. 

In light of the aforementioned circumstances and my rights as a consumer, I kindly request that the Consumer Financial Protection Bureau takes immediate action to delete these fraudulent hard inquiries from my TransUnion credit report. Removing these inquiries is crucial to restore the accuracy and integrity of my credit history, ensuring fair access to credit and financial opportunities. 

I have also simultaneously initiated the dispute process with TransUnion by submitting a formal dispute letter to them. However, I believe the involvement of the Consumer Financial Protection Bureau will expedite the resolution of this matter and ensure that justice is served. 

Please find enclosed copies of relevant documents, that may assist in your investigation. I am available and willing to provide any further information or clarification necessary to facilitate the resolution of this case. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your understanding and commitment to consumer protection. 

Yours 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