Consumer complaint received 2023-05-19
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 hope this letter finds you in good health. I am writing to bring to your attention a matter of utmost concern regarding my Transunion credit report. I recently discovered multiple hard inquiries on my credit report that I believe to be fraudulent, and I kindly request your assistance in rectifying this matter promptly. 

First and foremost, I would like to emphasize that I am a victim of identity theft. The fraudulent hard inquiries listed below were conducted without my knowledge or consent, causing significant distress and potential harm to my financial well-being : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These unauthorized hard inquiries were made by financial institutions such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. The frequency and pattern of these inquiries raise significant concerns about the potential misuse of my personal information, as they were conducted on various dates over the course of the past two years. 

I became aware of these fraudulent hard inquiries only recently due to a series of events that unfolded in my personal life, including a major family medical emergency and subsequent relocation. As a result, I was unable to monitor my credit report regularly, leading to the delayed discovery of these unauthorized activities. 

I would like to highlight the following provisions of the Fair Credit Reporting Act ( FCRA ) to support my request for the immediate removal of these fraudulent hard inquiries from my Transunion credit report : Section 611 ( a ) ( 1 ) ( B ) : The FCRA grants consumers the right to dispute inaccurate information on their credit reports, which includes unauthorized inquiries resulting from identity theft.

Section 605B : Identity theft victims are entitled to place fraud alerts on their credit reports, providing them with added protection and an extended duration of seven years.

Given the circumstances described above, I kindly request that the CFPB undertake a thorough investigation into these fraudulent hard inquiries and take appropriate actions to delete them from my Transunion credit report. Additionally, I urge you to take necessary steps to identify the individuals responsible for this identity theft, as their actions have caused significant harm to my financial reputation and overall well-being. 

I have enclosed copies of supporting documentation, including my identification documents, and any other evidence deemed necessary for your investigation. Please find them attached for your reference. 

I understand that you receive numerous requests on a daily basis and appreciate your attention to this matter. I kindly request that you keep me informed of the progress made on my case and notify me promptly once the fraudulent hard inquiries have been removed from my credit report. 

Thank you for your immediate attention to this matter and for your dedication to protecting consumers like myself. I eagerly await a swift resolution and the restoration of my credit report 's accuracy. 

Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above. 

Yours 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