Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiries ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) Account 1 : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX On XX/XX/XXXX, I discovered an unauthorized credit inquiry on my credit report made by XXXX XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed immediately. The unauthorized inquiry has had significant repercussions on my life. 

Account 2 : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Similarly, on XX/XX/XXXX, I discovered another unauthorized credit inquiry, this time by XXXX. Just like the previous case, I have no recollection of authorizing this credit pull, and I insist that it be removed without delay. 

These unauthorized inquiries have left me feeling violated and distressed. My financial history is personal and confidential, and I have always taken steps to safeguard it. To have my financial information accessed without my consent is deeply unsettling. 

These inquiries have unfairly affected my credit score, making it challenging for me to obtain loans, credit, and even basic financial services. Additionally, they have made it difficult for me to secure housing and employment opportunities, adding stress and anxiety to my life. 

I have initiated disputes with the credit reporting agencies, but I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate these matters thoroughly and compeXXXX XXXX XXXX XXXX XXXX  to rectify these violations. 

Furthermore, I urgently request the removal of these unverified inquiries from my credit report, as they continue to unjustly impact my financial standing. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to these unauthorized inquiries. My hope is that through your intervention, justice will be served, and I can regain confidence in the credit reporting system. 

I kindly request your prompt attention to these matters and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX 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 explanation