Consumer complaint received 2019-11-25
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:
In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, TransUnion. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Transunion - Inquiries to be investigated : 1. XXXX XXXX XXXX via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION 2. XXXX XXXX XXXX via XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Note : The hard inquiry should only be 1 ( ONE ), not 3 hard inquiries. It was on XX/XX/XXXX. The other hard inquiries from XXXX XXXX were either an error by the vendor or Transunion. 

2. XXXX XXXX XXXX via TRANS UNION RENTAL SCREEN XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : TENANT SCREENING Note : I do not recognize XXXX  XXXX  and request it be investigated for written evidence under FCRA.. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Note : There should only be 1 ( ONE ) hard inquiry, not  two, on XX/XX/XXXX. please investigate and have this corrected per FCRA. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Note : Above, there are two XXXX XXXX XXXX hard inquiries, only one is accurate as I recall. One should be removed. Please investigate under FCRA. 

5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Note : Above, The XXXX  XXXX inquiry should be soft, not a hard inquiry. Please correct per FCRA. 

6. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone number not available Requested On : XX/XX/XXXX Inquiry Type : Individual Note : Above, I do NOT recognize XXXX. Please investigate per FCRA and provide written evidence otherwise it must be removed. 

7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX/WRITTEN AUTH/INVSTGT FRAUD Note : Above, a duplicate. Please investigate per FCRA and provide written evidence or remove. 

8. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Note : Above, I do not recognize XXXX and do not believe I gave them authorization. Please investigate per FCRA and provide written evidence or remove. 

Thank you, XXXX XXXX XXXX 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