Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I trust this letter finds you aware of the gravity of the situation that you have put me in. I write to you with a deep sense of concern and disappointment regarding an inquiry on my credit report, originating from ZZZZZZZZ dated ZZZZZ and ZZZZZZZZ dated ZZZZ. It has come to my attention that this inquiry not only stands as an unjustifiable blemish on my credit history but also a direct infringement of the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I believe you are aware of the FCRA and its importance in ensuring the accuracy and fairness of credit reporting. It is evident that in this case, you have disregarded the very tenets set forth by this legislation, including but not limited to sections 15 USC 1681, 15 USC 1681a and 15 USC 1681e ( b ). 

Allow me to remind you that the FCRA explicitly defines what constitutes a consumer report and further outlines exclusions from this definition. Inquiries fall within the purview of exclusions from a consumer report as per the stipulations in 15 USC 1681a. It is abundantly clear that you have overlooked this vital aspect of the law, leading to the inclusion of an unauthorized inquiry in my consumer report. 

As per the FCRA, Section 15 U.S. Code 1681e ( b ) - Compliance procedures, consumer reporting agencies are mandated to prepare consumer reports with the utmost possible accuracy. 

Your actions have not only caused undue distress but have also placed me in an unfavorable financial position. This is an issue I take incredibly seriously, as the FCRA is in place precisely to prevent such situations. Your oversight has left me with no choice but to address this matter with the urgency it deserves. 

I want to emphasize my right to privacy and the need to protect sensitive personal information. These details are not only inaccurate but also breach my privacy rights, as both the employment and the specific date of birth are not to be included in my credit report as defined by the FCRA and the Privacy Act. 

I do not consent to, benefit from, nor authorize the inclusion of the mentioned personal information in my report. Therefore, I demand its immediate deletion. 

I hereby demand that you promptly and unconditionally DELETE the inquiries from my consumer report. This request is not just based on my dissatisfaction but on your non-compliance with the FCRA, a law that was established to safeguard the rights of consumers like me. 

I trust that you will promptly address this issue in compliance with the FCRA and honor my rights to privacy. Failure to do so would not only reflect noncompliance with the law but also hinder my ability to maintain a credit report of maximum accuracy. 

I expect to receive written confirmation of the inquiry 's removal within XXXX  days of the date of this letter. Failure to comply will leave me with no alternative but to escalate this matter to appropriate regulatory authorities and legal representatives specializing in consumer rights and FCRA violations. I am prepared to exercise my rights and pursue necessary actions to rectify this situation. 

I implore you to take this letter seriously and rectify the situation immediately. It is in your best interest to act swiftly to amend your mistakes and ensure that such violations do not occur in the future.

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 non-monetary relief