Consumer complaint received 2023-04-04
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:
Hello, how are you? You always say to not use any personal information so I will not. However, this is my fourth attempt with this company trying to take care of this problem. I have reached out to the other companies and they have with no problem making sure that my problem is resolved and that they erased and took off these improper and fraudulent things off of my report. This is the third or fourth time that I have attempted to do this and I am not OK with this the last time I reached out to the company, their exact words were well make another CFPB report, and that is exactly what I am doing until this is straightened out I am so serious! 

This particular report is about inquiries that are on my report that did not belong to me, Ive never been applied for by myself, and or unknowingly and improperly and fraudulently listed on my Trans Union credit report, even though they know that I did not apply for these things, and I should not have to do this, just to get improper inquiries removed. Every company I am listing I have reached out to requested the proper information from them like you told me to and like my credit reporting agency told me to, and I also have been requesting documents from them that show I signed for this, and I said that they could go ahead and list this on my credit report violating me under a lot of my fair credit reporting act sections. I am also printing this and sending it to them as well with a letter notarized. Like I said, every company, I am giving you. Yes, I have reached out to told them that I did not apply for this product and that I wanted it removed from my credit report and of course the companies are of no help. I want these immediately removed and like I said this is the fourth time I have disputed this with TransUnion and they are the only company still giving me problems. 

1 XXXX XXXX inquiry Date is XXXX XXXX 2. XXXX Inquiry date XXXX XXXX This particular company when I reached out to them, I told them that I had applied for a business credit card via XXXX and they told me that they would have not did a personal credit check because I used my EIN and was not using my personal information so I made sure to call and ask about this one before I am asking for it to be removed. I did not apply for a personal XXXX credit card, nor personally guarantee my business card so therefore this inquiry should not be on my report either. 

3. XXXX XXXX inquiry date XXXX XXXX I also called this company that I have a checking account with, and they assured me that I have no credit cards with them and that there should be no hard inquiry on my credit report at all. This is probably the only company that did not give me any issues and are willing to say that I did not apply for any credit or any product through their company. These three companies are listed on my Trans Union credit report in the inquiry section. 

These three companies I just listed are not companies that I have any financial products credit cards or accounts with these companies are not cooperating with me and I have reached out to them and these three companies I listed are on my credit report and should not be! I am mediately want these three companies removed as I have done everything Trans Union has requested me to do reached out to the companies gotten the proof letters etc. nobody is listening or trying to help me like I said this is my third or fourth attempt at disputing these transactions.

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