Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Upon pulling a credit history from Transunion, I noticed repeated and unauthorized inquires against my credit file. I previously ( XX/XX/2014 or prior ) had applied for a payday loan and since have  ceased all activity with the company after settling and closing my account that same year. 

PROBLEM 1 : I contacted the company by various methods, email, phone, and customer service chat and notified them of these credit inquiries and asked them to stop / cease all activity and ( once again ) close my account. They stated there is no credit inquiry activity unless I am applying and they claim they're not pulling credit inquiries ( which is not true, obviously, see below ). I asked them when my last application was and they state it was over 5 years ago ( as expected ). 

They ( or their partners/associates ) are pulling reports 5+ times a year and they claim they are not. 

PROBLEM 2 : After being forced to assume there is an automated process involved that customer service supervisors are not aware of, I also asked them to cease all pre-approval efforts and I asked them to opt-out my name/email/phone numbers/addresses from all pre-approval efforts. For the record, I am opted out in my credit file for 5 years already, as well. Their response was that I am not in any opted in database but they marked me down anyway for removal after I pressed them and referred them to their own website and privacy and sharing to third party associates/partners policies which state I have the right to opt-out from. 

I spoke with 3 people, XXXX via chat, XXXX ( spelling ) via phone, and another person ( male, who transfered me to XXXX the supervisor via phone ). I also emailed customer XXXX regarding this matter and included the below information and request to cease all credit inquiry activities. I never agreed to repeated credit inquiries and I have not authorized any recent inquiries nor do I need their services. 

I can only assume either this is fraud, unlawful/unauthorized use of my personal credit file, and/or they are inept and do not know their own processes. Either way, I've asked them to cease all activity, but I do not believe they have done anything nor will they do anything to correct this issue based on the discussions I've had with them. They have been notified they do not have my permission to continue looking at my credit file and they have not had this permission since I closed my account 5+ years ago. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : TO ACQUIRE/SERVICE/INSURE ACCOUNT Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : XXXX XXXX  XXXX Requested On : XX/XX/XXXX, XX/XX/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