Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Subject : Dispute of Unauthorized Inquiries and Request for Verification of Information Dear Sir/Madam, I am writing this letter to formally dispute the following credit inquiries on my Transunion credit report, which I believe were not authorized by me and, thus, are potentially inaccurate and not permissible under the Fair Credit Reporting Act ( FCRA ). I contacted TransUnion in writing on XX/XX/XXXX and requested that they investigate the inaccuracies and to also request that TransUnion provide me with evidence of authorization and verification of my complete file information, including my full name, address, date of birth, and Social Security Number ( SSN ). 

The inquiries I wished to dispute are as follows : 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 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 carefully reviewed my credit history, and I can confirm that I did not authorize or initiate any of these credit inquiries on the specified dates. As per the FCRA, I have the right to dispute any information that I believe to be inaccurate or unauthorized on my credit report. Therefore, I request TransUnion to investigate these inquiries thoroughly and provide documented proof of authorization for each inquiry from the respective creditors. 

Furthermore, I request that TransUnion verify the accuracy and completeness of my personal information on file, including my full legal name ( XXXX XXXX XXXX ), current address ( XXXX XXXX XXXX  XXXX, MI XXXX ), date of birth ( XX/XX/XXXX ), and Social Security Number ( XXXX ). 

I have received an written response from TransUnion that basically tells me to do it myself. I called TransUnion and the customer service was not helpful. They opened a dispute on some of the inquiries listed above but not all. They seem to want me to do their job for them.

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