Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XX/XX/XXXXInquiry fromXX/XX/XXXX + Credit Union XXXX  Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX   Inquiry fromXX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX + Inquiry details XXXX - XXXX  Inquiry from XX/XX/XXXX+ Miscellaneous Utilities XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos.

XXXX  Inquiry from XX/XX/XXXX+ Telephone Companies XXXX   Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry fromXX/XX/XXXX + Personal Loans Cos.

XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + National Credit Card Cos. XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX Inquiry fromXX/XX/XXXX+ National Credit Card Cos.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX XXXX SOC SEC # XXXX  DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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