Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a letter with a copy of my Credit Report from Transunion. I have been disputing inquiries since XXXX XXXX. The have failed to conduct an investigation and continue to knowingly and willingly violate the FCRA and deny my rights granted to me by the FCRA. Furthermore, I have always requested Transunion to send me the documents used to validate the inquire so I can confirm its validity and they have ALWAYS REFUSED TO COMPLY. I also ask Transunion to provide me the name of the Transunion Representative who confirmed the inquire was authorized and the name of the individual they contacted who represented the creditor. Transunion has yet to ever provide me that information as well. 
The following is SAME RESPONSE I GET EVERYTIME FROM Transunion ... .. 'Please be advised that inquiries are a factual record of the access. If you believe the inquiries are unauthorized please contact the creditor directly and follow their internal procedures '' This a direct violation of the FCRA by XXXX placing the burden on me regarding my disputes. 
On the other hand XXXX and XXXX have responded in this matter regarding my dispute/complaints regarding my disputes about the inquiries reflecting on my credit report ... .. 
XXXX Response " Thank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company.We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your report. Upon further research and investigation, and in accordance with the FCRA, the disputed inquiries are in the process of being removed from your credit report. You should receive an email notification, within the next 48 hours, alerting you that the result summary is ready to be viewed online '' XXXX Response XXXX has reviewed your complaint and its records regarding your dispute. 
The following inquiries for XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX have been deleted on your XXXX credit file. Written confirmation was mailed on XXXX/XXXX/XXXX. 
XXXX has reviewed your complaint and its records regarding your dispute. 
The following inquiries for XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX have been deleted on your XXXX credit file. Written confirmation was mailed on XXXX/XXXX/XXXX. 
XXXX has reviewed your complaint and its records regarding your dispute. 
The following inquiries for XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/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