Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XX/XX/XXXX I sent TransUnion a dispute letter regarding unauthorized inquires into my credit report without my permission. As of XX/XX/XXXX I received a letter file # XXXX from TransUnion stating that under ( permissible purpose ) as they refer it and that a company always don't need my authorization to receive my credit report as long as it's ( permissible purpose ) meaning. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the credit reporting industry and the rights of consumers with regard to their credit reports. An interpretive rule is a guideline issued by an administrative agency that provides information on how the agency intends to interpret a particular statute or regulation. 

The FCRA has several interpretive rules that specify the permissible purposes for which consumer reports can be furnished, used, and obtained. These permissible purposes include : Employment purposes : Consumer reports can be obtained and used for the purpose of evaluating a job applicant 's qualifications for employment, or for the purpose of evaluating an employee 's qualifications for promotion, reassignment, or retention. 

Credit or insurance purposes : Consumer reports can be obtained and used for the purpose of evaluating an individual 's creditworthiness, credit standing, or credit capacity, or for the purpose of underwriting insurance. 

Underwriting purposes : Consumer reports can be obtained and used for the purpose of underwriting any insurance that is to be issued based on an application. 

Tenant Screening : Consumer reports can be obtained and used for the purpose of evaluating a tenant applicant 's qualifications for rental of a residential property. 

Other permissible purposes : Consumer reports can be obtained and used for the purpose of determining a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. 

It's important to note that the FCRA requires that consumer reporting agencies and users of consumer reports comply with the FCRA 's requirements, including obtaining the consumer 's written permission before obtaining a consumer report for certain purposes. 

I have not given any permission or written consent to anything. this letter is not a investigation letter but a letter of refusal to investigate in these unauthorized inquires. If TransUnion stand by their results please provide acdv. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the credit reporting industry and the rights of consumers with regard to their credit reports. Section 611 of the FCRA specifically addresses the investigation of inaccurate information on credit reports.

Section 611 ( a ) states that if a consumer notifies a credit bureau that they dispute the accuracy of information in their credit report, the credit bureau must : Investigate the disputed information within a reasonable period of time.

Report the results of the investigation to the consumer.

Provide the consumer with a written notice of the results of the investigation and a copy of the consumer 's credit report if the investigation results in any changes to the credit report. 

Notify the person who provided the disputed information to the credit bureau that the disputed information has been disputed by the consumer. 

If the credit bureau finds that the disputed information is inaccurate, they must correct or delete the information from the credit report. I request the follow to be removed or investigated XXXXXXXX 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 XXXXXX/XX/XXXX, TransUnion LLC reported a data breach with the Massachusetts Attorney General after information in the companys possession was subject to unauthorized access. According to TransUnion, the breach resulted in the names, Social Security numbers, financial account numbers and drivers license numbers being compromised. Recently, TransUnion sent out data breach letters to all affected parties, informing them of the incident and what they can do to protect themselves from identity theft and other frauds. 

THIS IS FRAUD AND TRANSUNION IS NOT INVESTIGATING IT BUT RATHER TELLING ME IN THEIR LETTER THEIR INFOMATION IS ACCURATE. THEIR PERMISSIBLE PURPOSE IS NOT VALID. SO HOW IS THIS ACCURATE!

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