Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. Show me proof that this inquiry was authorized or remove XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

9. Show me proof that this inquiry was authorized or remove XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Show me proof that this inquiry was authorized or remove XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Show me proof that this inquiry was authorized or remove XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but they could not verify the inquiry in their system. To date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Your computer generated answer of stating the inquiry is factual will not be accepted. There are no signed credit applications giving the permission to access my credit report or recorded phone call authorization. 

Thank you for your help and assistance.

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