Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern regarding my TransUnion credit report. Upon reviewing my credit history, I discovered several hard inquiries that I strongly believe to be fraudulent. I kindly request your assistance in promptly investigating and removing these unauthorized inquiries from my credit file. 

The following are the fraudulent hard inquiries listed on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX These hard inquiries were conducted without my knowledge or consent, indicating a clear case of identity theft and fraudulent activity. I became aware of these inquiries only recently, as I received an updated copy of my credit report from TransUnion. The delay in discovering these unauthorized inquiries is primarily due to the infrequency of monitoring my credit report, a practice I deeply regret not prioritizing sooner. 

I am fully aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. According to FCRA Section 611 ( a ) ( 1 ) ( A ), the consumer reporting agencies are required to promptly investigate any dispute regarding inaccurate information and correct or delete any information found to be incomplete, inaccurate, or unverifiable. 

I kindly request that the Consumer Financial Protection Bureau exercise its authority and take immediate action to investigate these fraudulent inquiries with TransUnion. I urge you to use all available resources to determine the source of these unauthorized inquiries, as they have greatly affected my creditworthiness and overall financial well-being. I request that the following actions be taken : Conduct a thorough investigation into the origin of the fraudulent hard inquiries. 
Remove all unauthorized inquiries from my TransUnion credit report. 
Provide me with a written confirmation of the investigation 's outcome and the removal of the fraudulent inquiries. 
Take appropriate measures to ensure that my personal information is safeguarded against any further misuse. 

I have attached copies of my supporting documents. If there is any additional information or documentation required from my end, please inform me promptly, and I will be glad to provide it. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate and rectify this case of fraudulent activity. I eagerly await a swift resolution and the removal of the unauthorized inquiries from my TransUnion credit report. 

Thank you for your time and cooperation. Should you require any further information, please do not hesitate to contact me at the provided phone number or email address. 

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 explanation