Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Subject : Request for Deletion of Unauthorized and Unrecognized Hard Inquiries from My Credit Report Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to formally request the removal of several unauthorized and unrecognized hard inquiries from my credit report, as listed below : -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXXXXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXXXXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- -- - I have thoroughly reviewed my credit report, and these hard inquiries are neither authorized nor recognized by me. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the legal right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. 

According to the FCRA, credit reporting agencies such as TransUnion have a legal obligation to investigate and verify the accuracy of disputed information within 30 days of receiving a formal dispute from a consumer. If, during this investigation, TransUnion can not confirm the validity of these hard inquiries or provide proof of authorization, it is mandated by law to promptly remove them from my credit report. 

To facilitate this process, I kindly request that TransUnion take the following actions : Initiate an immediate investigation into the aforementioned hard inquiries to determine their legitimacy and authorization status. 

Provide me with written documentation that proves the authorization for each of these hard inquiries. If you can not provide such evidence within the stipulated time frame, kindly remove them from my credit report as required by law. 

Ensure that all future communication related to this matter is sent to my address listed above. 

I have enclosed a copy of my credit report highlighting the disputed hard inquiries for your reference. I trust that TransUnion will handle this matter promptly and in accordance with the law. 

Please be advised that failure to comply with my request within the specified time frame will leave me with no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your prompt attention to this matter and expect a timely resolution. I look forward to receiving written confirmation of the actions taken by TransUnion in response to my dispute.

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