Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have try to resolve this issues with TransUnion, XXXX, and XXXX  but no results. 

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F
) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after anyreinvestigation und
er paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete TransUnion   Inquiry - these are unauthorized inquires. 
XXXX XXXX Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX +  Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX   XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX   Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX+ Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX FS Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX   unauthorized inquires XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions Contact the inquirer : MAIL   ONLY XXXX XXXX Inquiry : XX/XX/XXXX +  Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry : XX/XX/XXXX +  Automobile Dealers, Old Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Sales Financing XXXX  Inquiry : XX/XX/XXXX +  Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX+ Automobile Dealers, New XXXX   XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY  XXXX - XXXX XXXX Inquiry : XX/XX/XXXX +  All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX +  Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX # XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX+ Credit Unions XXXX   XXXX  Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX  - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX +  Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX  unauthorized inquires. 


XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX/XXXX Personal Loan  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX In additionally all these company has incorrect address listed for me : The addresses are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX All address above is incorrect. I never lived there.

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