Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint will now constitute my forth effort of getting a number of fraudulent inquiries that are being reported on my Trans Union consumer credit report removed. I sent in a dispute via regular mail in early XXXX of this year that I received no response to at all. I then called to follow up after the XXXX days they are allowed by law to respond by had passed and was told by several representatives there that they never received a letter from me and that in order to get these inquiry removed I would have to file an FTC report. So that is what I did. My FTC report was filed on XX/XX/XXXX. I filed a CFPB complaint which I attached that FTC report to on XX/XX/XXXX. I received a response on XX/XX/XXXX that there was an unauthorized third-party, which there was definitely not, I filed the complaint myself as I do not work with any credit repair specialist or anything of the sort. Their response noted that they needed me to contact them for authorization. I immediately called them and spoke to several representatives and was informed that they had never received the CFPB complaint and that they were unable to help me at all which I found extremely odd considering they had replied to the complaint. 

I also sent in another dispute letter via certified mail on XX/XX/XXXX That included all identifying requirements and also the FTC report. Again I got no response to this. 

I called in to Transunion again on XX/XX/XXXX to check on the status of my dispute. Again I spoke to several representatives, one being a supervisor and was informed once again that they received nothing from me. Which is very suspicious considering that I have the delivery receipts for the dispute letter that I sent in certified mail and the fact that the CFPB complaint that was submitted on XX/XX/XXXX was responded to by them and was closed on XX/XX/XXXX. 

At this point they are in violation of the fair credit reporting act, and are noncompliant under that act for failure to respond in the allowed time. I also feel like I have been given the runaround and been blatantly lied to considering the receipts that I have against their claims of not receiving any documents from me. 

Below you will find a list of all the fraudulent inquiries that are reporting as of today that I would like removed immediately. I am attaching the letters that were sent in, the certified mail receipts, the FTC report that I filed, and the CFPB complaint that they claim they never received. 

XXXX. XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX ( XXXX INQUIRIES ) XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX Thank you

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