Consumer complaint received 2023-05-31
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 hope this letter finds you well. I am writing to dispute and request the immediate removal of several fraudulent hard inquiries that appeared on my TransUnion credit report. I am a victim of identity theft, and these unauthorized inquiries have had a significant negative impact on my creditworthiness and financial well-being. 

Hard inquiries on my credit report, as you are aware, are made by companies with whom I have applied for credit or services. However, in the case of the following inquiries, I can assure you that I did not authorize or initiate any such credit applications : XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/202XXXX XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX  ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 I am deeply concerned about these fraudulent inquiries, as they were made without my knowledge or consent. I have taken extensive measures to protect my personal and financial information, including regularly monitoring my credit report, promptly reporting any discrepancies, and implementing strong security practices. It is disheartening to realize that such fraudulent activities have gone unnoticed until now. 

I firmly believe that the aforementioned inquiries are a direct result of identity theft. As a victim, I have the right to dispute and request the removal of inaccurate, fraudulent, or unauthorized information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and other applicable laws and regulations.

I kindly request your immediate intervention in this matter and ask that you undertake the following actions : 1.Initiate an investigation into the fraudulent hard inquiries on my TransUnion credit report, as listed above.

2.Contact the respective companies associated with these inquiries to verify the legitimacy of the applications.

3.Demand proof of my consent or any supporting documentation that verifies my involvement in these credit applications.

4.Provide me with regular updates on the progress of your investigation and any actions taken to rectify the situation.

5.Ensure the removal of these fraudulent inquiries from my TransUnion credit report as soon as possible.

6.Implement appropriate safeguards and security measures to prevent further unauthorized inquiries or identity theft incidents.

I understand that resolving this matter may require some time and effort, but I trust that your organization will handle it with the utmost urgency and professionalism. I am more than willing to cooperate fully by providing any additional information or documentation you may require to assist in the investigation.

Enclosed with this letter are copies of my identification documents to validate my identity and support my claims. Please let me know if there is any further documentation or information that would aid in the resolution of this dispute. 

I request that all future correspondence regarding this matter be sent to the address or via email. Additionally, please ensure that any information regarding the fraudulent inquiries is promptly corrected or updated with all relevant credit bureaus. 

I greatly appreciate your immediate attention to this serious matter. I am counting on your expertise and authority to help me rectify the damage caused by these fraudulent inquiries. Thank you in advance for your prompt action and resolution of this dispute. 

Yours 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 explanation