Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting 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:
During the time of my freeze and beyond, i was under a credit lock under all three consumer reporting agencies during which in order to authorize a credit check my permission was required to check my credit with written or verbal consent prior to an authorization. However, i discovered that despite having had an active alert on, y credit for fraud, there are inquiries that I do not recognize on my credit report. I did not give any of these following agencies and parties the authorization to make an inquiry on my credit. Especially with an active note of fraud alert that was on my account prior to the inquiries that were made against my credit report. All of the credit bureaus did not honor this request and none of the parties on my credit report consulted me about my credit being checked before running my credit whatsoever. Additionally I did not authorize any checks in relation to the parties involved with my consumer reports. 

Notably, one XXXX XXXX checked my credit on a date that i did not recall and i spoke to them on XX/XX/2023 at XXXX XXXX XXXX to confirm the inquiry made. They denied any participation in an unauthorized check on my credit. Under such provisions, my rights were violated. 

On Grounds : [ 15 USC 1681a ss 603 ( m ) ( 1-3 ) ; use of information was abused during the period which the fraud alert was active and the disposition of the circumstances within my rights were breeched by all the parties involved since there was no notable communication on my behalf ( reserved ), FCRA/FCR Title 12 X 1016.13 ; Contrary to rule, sustains the provision where information was misused and justifies prior law under my rights as a consumer, there was again, misuse and failure to provide supplemental notice and information to me and upholding my rights as the consumer, FCRA/FCR Title 12 X 1016.15 ; Relative to other violations in terms of practices ( Reserved ), 15 USC 1681 ss 602 ( a ) ( 1-4 ) & 15 USC 1681 ss 602 ( b ) ; ( As Defined ) Moreover, the entities, parties, affiliates, and agencies failed to adhere to policies and laws as outlined in this statute with careful consideration for myself and what has happened with the misuse of my consumer reports recording and authorizing information to be pulled without subsequent notice, especially when my consumer reports have a notable fraud alert notice and in requirements states that all authorization needed to run my consumer reports requires authorization from me, the consumer in advance whether it be verbally or written. 15 USC 1681b ss 604 ( b ) ( 1-2 ) & 15 USC 1681b ss 604 ( c ) ( 1-3 ) ; ( Sustained ) There was no disclosure of the usage of information from any and all parties involved with the initial inquiry made on my consumer reports at any point during the time and peaks that credit checks were authorized without my consent. Notably, this is also in justification and in protection of other laws as mentioned in my explanation and where violations have been made thus far. 15 USC 1681q ss 619 ; ( Reserved ) Under the relations and laws as mentioned, it is showcases and implies that my information was obtained and used under false pretenses which violates my rights as a consumer notably and support my stake in my complaint. 15 USC 1681o ss 617 ; ( Reserved ) Supports and justifies position with ss 619, ]

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