Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I have inquiries on my credit report that I did not authorize or recognize. I have contacted the credit reporting company and bureaus and notify them that they are not my inquiries please have them do their job and delete these based off of FCRA laws is identity theft. Once the credit bureaus are reporting some thing without my consent. I have notified them and told them that it is not mines. They have told me that they investigated just to come back and put verified or actually that is against the law, and want us to be investigated, then deleted There have been so many is broken in by a credit bureaus below I have stated for from 1681b 1681i, 1681C 1,1681c-2 I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. Below is a summary of the data in which I am challenging : This is considered is against Consumer Laws created by Fcra this need to be investigated, then deleted There have been so many laws broken I have also sent out a debt validation letter which they have not validated my signature with BLUE INK this is an FCRA violation please have these accounts delete due to violation all laws that have been violated are below.

15 U.S. Code 1681B : Permissible purposes of consumer reports 15 U.S. Code 1681I : Treatment of inaccurate or unverifiable informati 15 U.S. Code 1681C1 : Identity theft prevention 15 U.S. Code 1681c-2 : Block of information resulting from identity theft 15 U.S. Code 1692 G : Validation of debts 15 U.S. Code 1681 E : Compliance procedures 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

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