Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
***Hello My name is " XXXX XXXX XXXX. I have been trying to report about incorrect information in my credit account over past 2 years but it has no success. I see that there are several hard inquiries that exist in my account without my notice. These inquiries are inaccurate and need to be removed off my credit account. 
XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. **** 15 USC 168123 ( a ) **** : " 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ". I have never received any " early warning " or notice that relate to these inquiries. 
Here are 17 hard inquiries that need to be clear off my credit account immediately as it violate seriously the following the law " 15 USC 1681623 ( a ) of FCRA/FACTA ". 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX +++++++++++++++++++++++++++ Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX +++++++++++++++++++++++++++++++++ Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++++++++++++ All Banks XXXX XXXXXXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++++++++++++++ National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX +++++++++++++++++++++++++++++++++++ Complete Dept. Stores XXXX XXXX  Inquiry from XX/XX/XXXX ++++++++++++++++++++++++++ All Banks XXXX  Inquiry from XX/XX/XXXX +++++++++++++++++++++++++++++ Jewelers XXXX XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++ All Banks XXXX XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++++++++ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX +________++++++++++++++++++++++ Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX +++++++++++++++++++++++++ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++ National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++++ National Credit Card Cos. 
XXXXXXXX XXXX  Inquiry from XX/XX/XXXX +++++++++++++++++++++++ National Credit Card Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX ++++++++++++++++++++++++ National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ++++++++++++++++++++++++ All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks ***** Please investigate these Credit card : 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 *******This collection account does not belong to me or any of our business . There are no late payment that are reported in any of these credit card. I also have never sign any contract with the collection agency. So I conclude that the credit bureaus intentionally put these negative information in my credit report.These collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
% % % % % % % % % % % % % % % % % % % % % % % ************** I also see a derogatory mark which is " XXXX XXXX   Account Info Reported on XX/XX/XXXX ". Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
& & & & There are no writing mailed or any disclosure that I have receipted. The credit bureaus did not follow any of those FCRA laws that are listed above.

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