Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit. 

This is an example of what I sent to each of the following companies : " Dear XXXX XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/2018 Made with : TransUnion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX '' Below are the inquiries I'd like to have removed due to my not authorizing. The biggest culprit was XXXX XXXX XXXX in XXXX, IL : XXXX XXXX ( XX/XX/2018 ) XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, CA XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/2018 ) XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/2018 )

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