Consumer complaint received 2019-12-12
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:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX TransUnion XXXX/XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX    XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

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