Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear Sir/Madam, I am writing to file a formal dispute regarding fraudulent hard inquiries that have appeared on my TransUnion credit report. I have recently discovered these unauthorized inquiries and believe that they are the result of identity theft or fraudulent activities. I kindly request your immediate assistance in investigating and removing these entries from my credit report as they are negatively impacting my creditworthiness and financial well-being. 

I would like to provide you with detailed information regarding the fraudulent hard inquiries, which I believe to be illegitimate and unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assure you that I am a responsible and vigilant consumer who regularly monitors their credit report. However, due to the nature of this fraudulent activity, I was unable to detect these inquiries until now. This serves as a testament to the sophisticated nature of the identity theft scheme or fraudulent actions, which have been perpetrated against me. 

According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to dispute inaccurate or fraudulent information on my credit report. It is also the responsibility of the credit reporting agencies, such as TransUnion, to ensure the accuracy and integrity of the information they provide. 

I request that the Consumer Financial Protection Bureau launch a thorough investigation into the legitimacy of these hard inquiries. I also request that you work in conjunction with TransUnion to promptly delete these fraudulent entries from my credit report. Removing these inquiries is essential to safeguarding my financial reputation and ensuring that my creditworthiness is not compromised as a result of criminal activities beyond my control. 

Enclosed with this letter, please find supporting documents, as well as any other relevant information that may aid in your investigation. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and diligently pursue the necessary actions to rectify this fraudulent activity. Please keep me informed of any updates regarding the progress of this investigation. Additionally, I kindly request that you provide written confirmation once the fraudulent hard inquiries have been removed from my credit report. 

I appreciate your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided below. Thank you for your assistance in resolving this issue and restoring the accuracy of my credit report. 

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