Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I hereby authorize CFPB to contact TransUnion on my behalf. File # XXXX. Called and spoken to two TransUnion staff between XXXX and XXXX EST on XX/XX/XXXX.

Strong complaints against TransUnion : 1 ) Refusal to remove or investigate unauthorized or fraudulent hard inquiries ( Regular Inquiries ) : - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX Spent over 1 hour on the phone with first a rep, then her supervisor, explaining how I never authorized these hard inquiries in XXXX and XXXX. Did not even recognize who XXXX  XXXX  was. Explained I had previous credit cards like XXXX XXXX  with XXXX  XXXX  but all cards were closed without balance in XXXX. Obviously XXXX  XXXX had internal staff using my personal information without authorization to steal my credit report information. TransUnion requested me, the victim, to contact the unauthorized entities to receive a letter saying I never authorized them. That was ridiculous. It's like the Police asking a victim to call the thief to request a confession of theft. Also explained my XXXX  credit report has absolutely no such entities. 
2 ) Freely providing my private information without authorization : Under soft inquiries ( Promotional Inquiries ), TransUnion shared ( or SOLD ) my personal information like address, phone number etc. with five businesses unknown to me for a total of 11 times in XXXX  alone. These businesses are : - XXXX  XXXX  - XXXX  XXXX  - XXXX  XXXX  XXXX  - XXXX  XXXX  XXXX XXXX  - XXXX  XXXX  XXXX, XXXX  NEVER seen these businesses in my life! But this will explain the daily spam calls and tons of junk physical mail in my mail box. Shame on TransUnion!

3 ) Vastly inaccurate credit limit information causing horrific Vantage 3.0 Score. Both FICO and XXXX  show my revolving credit limit at $ XXXX. TransUnion shows $ XXXX  because they never updated my increased credit limits in the past two years, or they entered the wrong credit limits on some cards. Thanks to TransUnion 's consistently wrong information, my Vantage 3.0 score is XXXX  whereas my Fico Score is between 720 and 790 depending on the type. Spoken to many experienced bankers and credit score experts. This level of discrepancy is unheard of!

I suspect I am not alone and TransUnion has a fashion of sloppily entering incorrect information and then refusal to correct the wrong information. All they are focused in is selling my information for $ $ without ethics or remorse. Compared to XXXX  or XXXX  who are far more ethical and consumer-friendly, TransUnion should be investigated by CFPB and FBI. If found guilty, should be fined or banned. Holding the global gold standard of credit systems, we can not afford to have a highly dishonest or sloppy credit reporting agency in these United States of America!

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