Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

Inquirer Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXXXXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXXXXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX - XXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX. 

Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX Inquirer Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization.

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately.

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report.

I am providing copies of my credit reports from the three major credit bureaus ( XXXX, XXXX, and TransUnion ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain.

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX 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