Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX To whom it may concern I have tried to resolve this problem with TransUnion I have already told them that there are two XXXX XXXX hard inquiries showing up on my credit report that I did not give permissible purpose also I have spoken to XXXX XXXX about these hard inquiries on my credit report they sent me a letter stating that they were fraudulent I would like them removed or shall I say deleted from my credit report immediately I will post the letter from XXXX XXXX stating that these inquiries were fraudulent here is the letter that XXXX XXXX sent me about these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX is a federally registered service mark. All rights reserved. 
XX/XX/XXXX Re : Fraud Applications XXXX  XXXX Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about your request to the Consumer Financial Protection Bureau ( CFPB ), regarding hard inquiries you said were showing on your credit file. 
On XX/XX/XXXX, and XX/XX/XXXX, we received applications for credit using your information. Our Fraud Department was unable to confirm these applications were submitted by you. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how these are reflected in your credit file. If theyre unable to remove the hard inquiries completely, they may change them to soft inquiries. Soft inquiries do not have any impact on your credit score. It may take the CRAs up to 90 days to update their records. 
If youre concerned that youre a victim of identity theft and have not yet placed a fraud alert on your credit file, you may consider contacting the agencies directly to do so. Here is their contact information : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX www.equifax.com TransUnion LLC Attn : Fraud Victim Assistance Dept XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX www.transunion.com For more information regarding identity theft protection, please visit our website at XXXX. 
Additionally, you referenced an additional inquiry showing with US Bank on XX/XX/XXXX. 
XXXX XXXX is unable to speak on behalf of other financial institutions. Please contact US Bank for any additional questions or concerns you may have regarding the additional inquiry included in your correspondence.If you have questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau please delete these hard inquiries immediately from my credit report also send me a updated credit report reflecting these changes 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 explanation