Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled a copy of my TransUnion consumer report and noticed some hard inquiries I would like to dispute. They are as follows : Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 

Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report! 


Hard Inquiry : XXXX XXXX Date : XX/XX/XXXX Reason : This item was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported hard inquiry SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions or permissible purpose to your agency to report this, which is a violation of the permissible purpose section of the FCRA. Please DELETE this item from my consumer report!

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