Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


I told XXXX, XXXX and Transunion to reinvestigate these hard inquiry accounts : Ran on XX/XX/XXXX through Transunion, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX again. Yes XXXX, was ran twice with XXXX the same day/same time. 


All of the hard inquiries from XX/XX/XXXX was ran by, XXXX XXXX Sales Manager at XXXX XXXX in XXXX, CA without my consent. XXXX XXXX from XXXX XXXX in XXXX, CA who is a fleet manager at that location, sold me my car. XXXX promised he would not run the " shotgun '' credit pulling option on me as I alerted him ahead of buying my car that I would not unlock my credit report if he did not agree to only run my credit at a maximum of only 2 times. I did agree to have my credit ran by XXXX XXXX XXXX. 



I wrote letters to the credit bureaus for these as well. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX TransUnion, XX/XX/XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX. Please take these unauthorized inquiries off of my report as well, Thanks! 



I also asked them to remove all addresses, except my current address. I also ask them to remove employment and phone numbers. However, they stated everything was complete and accurate. But, how is that possible if the open date, date of last activity and much more is incorrect? According to 15 U.S.C 1681 I ( 5 ), They are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2, It also states, a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( A ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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