Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. 
XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX / XXXX XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/17 The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. 

The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.

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