Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am demanding attention from a live representative from each Credit Bureau beacuase I am trying to buy a house. Since trying to buy a house it has came to my attention that I have damages on my credit report. 

Subject : Formal Complaint Regarding Defamatory and Fraudulent Inquiries on My Credit Report Violating 15 USC 1692 ( 5 ) ( b ) and 15 USC 1681 g To Whom It May Concern, I am writing to formally file a complaint against TransUnion, XXXX, and XXXX regarding multiple defamatory and fraudulent inquiries on my credit report, which directly contravene 15 USC 1692 ( 5 ) ( b ) and 15 USC 1681 g.

The following unauthorized inquiries have been identified : 25 inquiries These lenders have accessed your credit file : XXXX XXXX  Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX/ED XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2023 + XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX  XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX : XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  These inquiries, made without my authorization, have significantly impacted my credit score and may constitute defamation of character, as outlined in 15 USC 1692 ( 5 ) ( b ). Additionally, these inquiries infringe upon my right to accurate credit reporting, violating 15 USC 1681 g.

I demand immediate action in compliance with 15 USC 1681 g to rectify these defamatory and fraudulent inquiries. I request the complete removal of all unauthorized inquiries from my credit reports.

Furthermore, pursuant to 15 USC 1692 ( 5 ) ( b ), I demand immediate attention and a thorough investigation into this matter by TransUnion, XXXX, and XXXX. I am formally requesting the presence of live representatives from each credit bureau to ensure a swift resolution. 

Enclosed are detailed documents highlighting these fraudulent inquiries. I urge the Consumer Financial Protection Bureau to expedite this investigation and resolution in strict adherence to the laws cited above. 

Your immediate attention to this matter is essential. 

Please see attachments : I have also attached a utility bill to verify and confirm my address is so the credit bureaus do not send a stall letter to waste my time XXXX XXXX XXXX XXXX, GA 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