Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Please see below fradulent inquiries into my credit report.

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 



I am a victim of identity theft. I noticed fraudulent inquiries on my credit report. I called the companies and sent them a letter but nothing worked. They have not provided any documentation that this is indeed me who allegedly signed for these accounts. To my knowledge, I have not signed any documents authorizing their organization to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please be advised of these fedearal laws FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) FCRASection 611 ( 5 ) ( A ) I demand that these items be deleted immediately.I would like to be provided proof I consented to this inquiry via FCRA section 609 and well as the accuracy of this inquiry via FCRA section 623. Also refer to 15 U.S. Code 6802 I have not supplied proof under the doctrine of estoppelo by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 










PLEASE DELETE BELOW ACCOUNTS AND INQUIRIES IMMEDIATELY 1. XXXX Account # XXXX 2.XXXX  Account # XXXX 3.XXXX/XXXX Account # XXXX FRADULENT INQUIRIES BELOW XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Automotive XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX Bank XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX  XXXX/XXXX  Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX/XXXX  Travel/Entertainment XX/XX/XXXX TransUnion XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Automotive XX/XX/XXXX TransUnion XXXX Travel/Entertainment XX/XX/XXXX TransUnion

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