Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
2. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
3. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
4. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
6. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
7. Inquiry from XXXX XXXX ( Bank ) on XX/XX/2023. 
8. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
9. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
10. Inquiry from XXXX XXXX XXXX  ( Finance ) on XX/XX/2023. 
11. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
12. Inquiry from XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
13. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
14. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
15. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
16. Inquiry from XXXX XXXX ( Auto ) on XX/XX/2023. 
17. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
18. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
19. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
20. Inquiry from XXXX ( Finance ) on XX/XX/2023. 
21. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
22. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
23. Inquiry from XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
24. Inquiry from XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
25. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
26. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
27. Inquiry from XXXX XXXX  XXXX XXXX ( Bank ) on XX/XX/2023. 
28. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
29. Inquiry from XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) on XX/XX/2023. 
30. Inquiry from XXXX XXXX  ( Bank ) on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Transunion promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from XXXX regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit 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 explanation