Consumer complaint received 2023-06-02
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 formally dispute and request the immediate removal of fraudulent accounts from my TransUnion credit report. I have recently discovered multiple unauthorized hard inquiries and account openings on my credit profile, indicating fraudulent activity that has been perpetrated without my knowledge or consent. 

The fraudulent accounts listed below have severely impacted my creditworthiness and have caused significant distress : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 strongly assert that I am a victim of identity theft, as I have never authorized or initiated any of the aforementioned transactions. This fraudulent activity not only violates my personal rights but also infringes upon various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).

Under the FCRA, I have the right to dispute inaccurate or fraudulent information in my credit report and request its immediate removal. Furthermore, the FACTA ensures that consumers like me are protected from identity theft and are entitled to prompt investigation and correction of fraudulent accounts. 

I urge you to initiate a thorough investigation into these fraudulent accounts and remove them from my TransUnion credit report without delay. I have enclosed copies of my identification documents, along with any supporting evidence I have collected, to substantiate my claim and assist in your investigation. 

In addition to the removal of the fraudulent accounts, I kindly request that you provide me with written confirmation of the actions taken to rectify this matter. Please ensure that this information is updated and reflected accurately across all credit reporting agencies to restore the integrity of my credit profile. 

I appreciate your prompt attention to this matter and your dedication to safeguarding consumer rights. If necessary, I am willing to cooperate fully throughout the investigation and provide any additional information that may be required. 

Thank you for your immediate action in resolving this unfortunate situation. I look forward to a swift resolution and the restoration of my creditworthiness. 

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