Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, I received a notification from XXXX XXXX that a hard inquiry was placed on my credit report. This was not a credit application initiated by me. On XX/XX/XXXX, I contacted XXXX XXXX customer service ; this bank apparently provides credit card services for more than 120 different entities. They have no application record for my social security number, my name, or address. They advised I needed to speak to the credit bureau Trans Union and they would have to start an investigation on their end. 
I contacted Trans Union on XX/XX/XXXX. They told me they can see the hard inquiry from XXXX, but the only way they would remove it is if a Letter of Deletion from the bank, as well as submitting a personal letter to them. 
I called the bank back - I spoke with XXXX ( ext XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX, as well as XXXX and XXXX on the Escalated Help Desk. Interesting to not, even with extensions and employee IDs, no one at XXXX is able to find any of the individuals I spoke with in Customer Service at XXXX nor the Fraud dept at XXXX. After many hours of speaking on the phone and getting passed from dept to dept and supervisor to supervisor - XXXX finally advised she would open an investigation, but that it could take several months for it to be resolved. 
Their response was we do not know how a hard inquiry from XXXX XXXX   appeared on your credit bureau, it's not our problem, you have to deal with the credit bureau to resolve this, we can not provide you with a letter of deletion because the credit bureau will need to know our internal application number, the credit bureau will need to know various pieces of XXXX XXXX 's internal information - and without an application number, they will not be able to provide this information to the Credit Bureau to remove the inquiry. I told them I found out from TransUnion that the address provided by XXXX to TransUnion that raised the hard inquiry was an address in Louisiana XXXX where I have never lived ). XXXX XXXX told me they can not look up account information by address. 

Below is the information from XXXX XXXX - XXXX/XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX/XXXX XXXX, FL XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX Institution Information XXXX/XXXX  XXXX XXXX XXXX XXXX, FL XXXX In trying to raise a dispute with TransUnion, I also found the following that info that was provided to TransUnion by XXXX XXXX  : INQUIRY ANALYSIS The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
XXXX via XXXX Requested On : XX/XX/XXXX Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone Number not available

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