Consumer complaint received 2023-06-13
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 am writing to formally dispute the presence of fraudulent hard inquiries on my TransUnion credit report. As a victim of identity theft, I recently discovered these unauthorized inquiries that have been reported on my credit file. I request your immediate attention and intervention in this matter to rectify the erroneous information. 

The fraudulent hard inquiries listed on my TransUnion credit report are as follows : 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 These hard inquiries are unequivocally fraudulent, as I have never applied for or authorized any credit applications with the aforementioned institutions on the respective dates mentioned. I can provide concrete evidence to support my claim and establish my innocence in this matter if required. 

It is disheartening to note that TransUnion is the only credit bureau reporting these fraudulent hard inquiries, while XXXX and XXXX have not included them in their reports. This discrepancy raises concerns about the accuracy and reliability of my TransUnion credit report, thereby necessitating immediate action to rectify the situation. 

Under the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to dispute inaccurate information on my credit report. The FCRA obligates the credit reporting agencies, such as TransUnion, to conduct a reasonable investigation into the disputed items and remove any information that can not be verified or is found to be inaccurate. Furthermore, the FCRA mandates that the credit reporting agencies must respond to disputes within 30 days of receiving the notice. 

I kindly request that the Consumer Financial Protection Bureau exercise its authority to investigate this matter promptly and ensure that TransUnion adheres to the guidelines set forth by the FCRA. Specifically, I urge you to take the following actions : 1.Initiate a thorough investigation into the fraudulent hard inquiries on my TransUnion credit report and provide me with a detailed report of the findings.

2.Verify the authenticity of the hard inquiries and promptly remove them from my TransUnion credit report, as they have been proven to be fraudulent. 
3.Take appropriate measures to rectify the inaccuracies and discrepancies in my TransUnion credit report to ensure its compliance with the FCRA and protect my consumer rights.

4.Notify me in writing of the actions taken and provide a corrected copy of my TransUnion credit report reflecting the removal of the fraudulent hard inquiries. 

I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights. Please keep me informed of any progress or updates regarding the investigation. I trust that with your intervention, this issue will be resolved efficiently and my credit report will be restored to its accurate and rightful state. 

Thank you for your assistance in this urgent matter. I eagerly await your response and a resolution to this dispute. 

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