Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
604 ( 15 U.S.C. & 1681b ) 5.  { XXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) To Whom It May Concern, YOU BROKE THE LAW!! 

Hello, my name is XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature. 

Pursuant FCRA 15 U.S.C 1681b - permissible purpose ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

1. { XXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) 2. { XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) 3. { XXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) 4. { XXXXXXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 6. { XXXXXXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) 7. { XXXXXXXX XXXX } This is an unauthorized inquiry submitted on XX/XX/2022. Under section 604 the creditor must have permissible purpose excess my credit report. Please provide a signature from this creditor. Please investigate under 604 ( 15 U.S.C. & 1681b ) This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability I have submitted my drivers License and SSN to help verify my identity. Please note that if these inquiries that I did not authorize & have been wrongly submitted without my permission somehow stays on my consumer credit report, I plan to seek compensation from the immense damages Ive taken from this grave situation, as a result of a person obtaining my consumer report under false pretenses & knowingly without a permissible purpose signature. Pursuant FCRA 15 U.S.C 1681n - Civil liability for willful noncompliance. 

Pursuant FCRA 15 USC 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Thank you, for all your help on this matter. 


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 non-monetary relief