Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint against TransUnion for Refusal to Assist in Removing Fraudulent Inquiries from Credit Report Dear Sir/Madam , I am writing to file a formal complaint against TransUnion regarding their refusal to assist me in removing fraudulent inquiries from my credit report. On XX/XX/2023, at approximately XXXX XXXX, I had a conversation with a TransUnion representative named XXXX XXXX, who not only declined to transfer me to the fraud department or a supervisor but also failed to provide his representative identification for proper identification purposes. 

The details of my complaint are as follows : 1. On the aforementioned date and time, I contacted TransUnion 's customer service department to report fraudulent inquiries that appeared on my credit report. I specifically requested assistance in removing these inquiries from XXXX XXXX XXXX XXXX XXXX as they were not authorized by me. 

2. During my conversation with XXXX XXXX, I explained the situation and expressed my concern about the impact these fraudulent inquiries could have on my creditworthiness. However, despite my clear and valid request for assistance, XXXX XXXX refused to transfer me to the fraud department or a supervisor. 

3. Furthermore, when I asked XXXX XXXX for his representative identification, he declined to provide it, making it difficult for me to properly identify him and document our interaction. 

This refusal by TransUnion to provide the necessary support in rectifying fraudulent inquiries on my credit report is not only frustrating but also a violation of my rights as a consumer. I believe that it is the responsibility of credit reporting agencies to handle such matters promptly and efficiently, ensuring the accuracy and integrity of individuals ' credit reports. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against TransUnion for their refusal to assist me in removing these fraudulent inquiries. I believe that their conduct not only undermines my consumer rights but also raises concerns about their commitment to maintaining accurate and fair credit reporting. 

Enclosed with this letter, please find copies of any supporting documentation, including any correspondence, call records, or evidence related to my complaint. I trust that this information will aid in your investigation. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if any further information is required. 

Thank you for your time and assistance. 

Sincerely, XXXX 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 non-monetary relief