Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX, XXXX, and TransUnion, I am writing to formally request the removal of certain hard inquiries from my credit reports across all three credit bureaus : XXXX, XXXX, and TransUnion. Upon reviewing my credit history, I have noticed multiple inquiries that I believe were made without my authorization or were the result of fraudulent activity. I kindly request your assistance in addressing this matter promptly. 

Below, I have provided the relevant details of the inquiries that I would like to dispute and request their removal from all three credit reports : 1. Inquiry 1 : - Creditor Name : XXXX - Date of Inquiry : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

2. Inquiry 2 : - Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

3.Inquiry 3 : -Creditor Name : XXXX - Date of XXXX : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

4.Inquiry 4 : -Creditor Name : XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

5. Inquiry 5 : - Creditor Name : XXXX  - Date of Inquiry : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

6. Inquiry 6 : - Creditor Name : XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX - Reason for Dispute : I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. 

7. Inquiry 7 : - Creditor Name : [ XXXX ] - Date of Inquiry : [ XX/XX/XXXX ] - Reason for Dispute : [ I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. ] 8. Inquiry 8 : - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] - Reason for Dispute : [ I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. ] 9. Inquiry 9 : - Creditor Name : [ XXXX XXXX ] - Date of Inquiry : [ XX/XX/XXXX ] - Reason for Dispute : [ I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. ] 10. Inquiry 10 : - Creditor Name : [ XXXX ] - Date of Inquiry : [ XX/XX/XXXX ] - Reason for Dispute : [ I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. ] 11. Inquiry 11 : - Creditor Name : [ XXXX  XXXX ] - Date of Inquiry : [ XX/XX/XXXX ] - Reason for Dispute : [ I have no knowledge of this creditor and have not initiated any credit applications or services with them. This inquiry is highly suspicious and indicates possible fraudulent activity. ] Please find enclosed copies of supporting documents that substantiate my claims, including any correspondence related to these inquiries or proof of identity. 

I kindly request that you initiate investigations with each of the three credit bureaus and remove the disputed inquiries from my credit reports if found to be in violation of my rights or if they were made without proper authorization. Additionally, I would appreciate your prompt communication throughout the investigation process.

Please inform me of any further documentation or information that may be required to facilitate the investigations. I understand that the Fair Credit Reporting Act mandates that inaccurate or unauthorized information be removed from credit reports, and I trust that you will handle this matter in accordance with the applicable regulations. 

Thank you for your attention to this matter. I look forward to a timely resolution and the removal of these disputed inquiries from my credit reports across all three bureaus. Please provide me with written confirmation once the investigations are complete and the inquiries have been removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX ( XXXX ) 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 explanation