Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my Transunion credit report. It has come to my attention that there are XXXX hard inquiries listed on my credit report, specifically from XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I firmly believe these inquiries are fraudulent, and I kindly request your assistance in investigating and removing them from my credit report. 

As a law-abiding citizen and a victim of fraudulent activities, I am deeply concerned about the potential negative impact these erroneous hard inquiries may have on my creditworthiness and overall financial standing. It is important for me to maintain an accurate and reliable credit history, which is essential for various financial transactions, such as obtaining loans, securing employment, and even finding suitable housing arrangements. 

Allow me to provide you with further details to support my claim of fraudulent hard inquiries : 1. Identity Theft : I have never applied for or authorized any credit applications with either XXXX XXXX  or XXXX XXXX XXXX on the specified dates. This indicates that my personal information might have been compromised, leading to unauthorized access and usage for fraudulent purposes. As a victim of identity theft, I am eager to resolve this matter promptly.

2. Contradictory Timelines : The hard inquiry from XXXX XXXX XXXX, which occurred on XX/XX/XXXX, predates my knowledge of their existence. At that time, I had no prior engagement or knowledge of XXXX XXXX XXXX. Hence, this inquiry raises serious doubts about its legitimacy and points to the fraudulent nature of the activity. 

XXXX. Rights and Protections : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. According to FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or fraudulent information on my credit report must be promptly investigated and, if found to be invalid, removed without delay. I kindly request that you exercise your authority to protect my rights and ensure the integrity of my credit report. 

Given the circumstances, I kindly request that your company conduct a thorough investigation into these fraudulent hard inquiries on my Transunion credit report. It is my utmost desire that you promptly rectify this situation by removing the aforementioned hard inquiries, as they tarnish my creditworthiness and falsely represent my financial behavior. 

I have enclosed copies of my supporting documentation, such as my identification documents, to assist you in your investigation. I am also willing to cooperate fully and provide any additional information or documentation required to resolve this matter. 

I trust in the CFPB 's commitment to consumer protection and the pursuit of justice in cases of fraudulent activities. Your intervention in this matter would provide me with much-needed relief and peace of mind. I appreciate your prompt attention to this matter and look forward to a positive resolution. 

Thank you for your time and consideration. 

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