Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : Letter of Inquiry Removal Request under FCRA 15 U.S. Code 1681n Dear sir or madam, I hope this letter finds you well. My name is [ Your Name ], and I am writing to request the removal of certain inquiries from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681n. The inquiries in question were made by various institutions and are listed below : INFORMATIVE- Miscellaneous, Date : XX/XX/XXXX XXXX  - Finance, personal - Date : XX/XX/XXXXXXXX XXXX XXXX Finance, personal - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Miscellaneous and public record - Date : XX/XX/XXXX XXXX XXXX  - Finance other than personal - Date : XX/XX/XXXX XXXX XXXX - Automotive - Date : XX/XX/XXXX I understand that the FCRA grants consumers the right to dispute and request the removal of inaccurate or unverified information from their credit reports. After carefully reviewing my credit report provided by TransUnion, I have noticed that the above-mentioned inquiries were conducted without my explicit consent or knowledge. 

According to the FCRA, credit inquiries should only be made with the consumer 's permission or for legitimate business purposes, such as credit application processing or account monitoring. In this regard, I would like to assert that I have not authorized any of the inquiries mentioned above, nor do I have any prior affiliations or business dealings with the respective entities. 

Given the circumstances, I kindly request that TransUnion conduct a thorough investigation into these inquiries and verify the legitimacy and accuracy of each one. If it is found that any of the inquiries were indeed made without proper authorization or valid business reasons, I urge TransUnion to promptly remove these inquiries from my credit report. 

To assist you in your investigation, I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. 

Please provide me with written confirmation of the receipt of this letter and the commencement of the inquiry removal investigation. Additionally, I request that you keep me informed about the progress of the investigation and any outcomes that may arise from it. 

I understand that you are required to complete your investigation within 30 days of receiving this letter, as mandated by the FCRA. Therefore, I look forward to a timely resolution of this matter. 

Thank you for your attention to this request. Should you require any further information or documentation to facilitate the investigation, please do not hesitate to contact me at the provided contact information. 

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