Consumer complaint received 2023-05-24
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 am writing to dispute the presence of several fraudulent hard inquiries on my TransUnion credit report. As a victim of identity theft, I am deeply concerned about the potential negative impact these inquiries may have on my creditworthiness and financial well-being. I kindly request your assistance in investigating and removing these unauthorized inquiries from my credit report. 

I discovered these fraudulent hard inquiries on my credit report on XX/XX/XXXX, nearly on time, which prompted me to take immediate action. The following unauthorized inquiries were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not initiated any credit applications or sought financing from the aforementioned companies or institutions during the dates specified above. These hard inquiries are clear indicators of fraudulent activity that have compromised my personal and financial information.

According to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate and fraudulent information on my credit report. I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the fraudulent hard inquiries listed above, including contacting the respective companies and verifying the legitimacy of these inquiries. 
2. Remove the fraudulent hard inquiries from my TransUnion credit report, as they are tarnishing my creditworthiness and negatively impacting my financial standing. 
XXXX. Provide me with a copy of my updated credit report once the fraudulent inquiries have been removed. 

I understand that your office has the authority to enforce these actions and ensure the protection of consumers from identity theft and fraudulent activities. I have also taken additional steps to protect my identity, including notifying law enforcement of the fraudulent activity.

Enclosed with this letter are copies of relevant supporting documents, that may assist in the investigation and resolution of this matter. I kindly request you to consider the urgency of this issue and expedite the investigation process. 

Please inform me in writing of the steps you are taking to address this dispute and provide me with regular updates on the progress made. I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. 

Thank you for your time and assistance in resolving this issue. I look forward to a swift resolution and the removal of these fraudulent hard inquiries from my credit report. 

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