Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Re : Notice of Dispute Regarding Violation of FCRA Rights and Request for Investigation and Removal of Inquiry Dear Sir/Madam, I am writing to inform you of a serious matter regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion in relation to an inquiry from XXXX XXXX. I request that you conduct a proper investigation into this matter and promptly remove the erroneous inquiry from my credit report. 

On XX/XX/XXXX ], I obtained a copy of my credit report from TransUnion and discovered an unauthorized inquiry from XXXX XXXX listed on my report. As an informed consumer, I am fully aware of my rights under the FCRA and firmly believe that TransUnion has failed to uphold its obligations in appropriately investigating and addressing this inquiry. 

The FCRA grants me specific rights to ensure the accuracy and fairness of the information in my credit report and to protect me from any inaccurate or unjust information that may affect my creditworthiness. Among the rights I am protected under are : 1. The right to receive a free copy of my credit report from each of the nationwide credit reporting agencies, including TransUnion, once every 12 months upon request.

2. The right to dispute any inaccurate or incomplete information on my credit report and request a thorough investigation into the matter.

3. The right to have any inaccurate or unverifiable information removed or corrected from my credit report within a reasonable time frame.

4. The right to receive a written explanation of the results of the investigation and any actions taken as a result of the dispute.

5. The right to limit access to my credit report to authorized entities and individuals, as specified in the FCRA. 

It is evident that TransUnion has not complied with these rights and obligations by neglecting to properly investigate the inquiry from XXXX XXXX. Therefore, I demand that you take the following actions immediately : 1. Conduct a comprehensive and diligent investigation into the disputed inquiry from XXXX XXXX and ensure its expeditious removal from my credit report if found to be inaccurate or unauthorized. 
2. Provide me with a written explanation of the investigation 's results and any actions taken in response to the dispute.

3. Take all necessary measures to prevent similar violations in the future and ensure that your procedures are fully compliant with the FCRA.

During this investigation, I am prepared to cooperate fully by providing any relevant documents or information that can support my dispute. I kindly request that you acknowledge receipt of this notice within 30 days, as mandated by the FCRA.

Failure to address this matter promptly and responsibly may leave me with no choice but to take further legal action to protect my rights under the FCRA. 

I expect that TransUnion will promptly address this dispute and take all necessary actions to resolve the issue. I look forward to your timely response and the successful 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 non-monetary relief