Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm not using third party for this dispute and represent myself by myself. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
I have obtained mt report from Transunion credit bureau and noticed a several hard inquires that I have never authorized. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
CREDITOR INQUIRIES : XXXX XXXXXXXX XXXX XXXX New DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX  DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXXXXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2022 CREDITOR INQUIRIES : XXXX Auto Loans DATE OF INQUIRY : XX/XX/2022 I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be DELETED!

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