Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX I discovered inquries from companies that i did not appy to and were not authorized to run my credit. A few weeks ago around XX/XX/XXXX i had misplaced my wallet and had canceled all cards in there but forgot that my social was in the wallet. I later XX/XX/XXXX received notification through my email that a creditor/lender had checked my credit, so i pulled my credit report from all three credit bureaus. I noticed not only recent inquries that were made but also dating back to XXXX. I reached out to each burea XX/XX/XXXX to report identity theft. While XXXX and XXXX were able to remove the unauthorized inquries with an FTC report that i provided, Transunion did not. I sent Transunion a copy of the same FTC report i sent the other two bureas XX/XX/XXXX and called to make sure hey had received it a few days later but i was told they had not received it. I waited a few more days then resent the FTC on XX/XX/XXXX i gave it a five days and called to confirm they recevied it, they still had not. I am already a victim of identity theft and they had me include a copy of my social security card and even confirmed the address i was sending to was correct. The previous FTC letters still no where in sight and i am worried they have been compromised as well. XX/XX/XXXX i sent in another FTC report along with licence, social and the list of inquries i did not auhtorize. I used certified mail and priority mail this time to ensure my package was delivered. I called to confirm this was received becaue my tracking said it had been delivered. The supervisor i spoke to on XXXX XXXX told me that they had not received my most recent report but had received a previous report which was invalid and not accepted because it was not signed and dated. The FTC form had no place to sign and date. The supervisor then proceeded to tell me that i would need to call each creditor which i had stated several times i did call the creditors listed and they told me to call hte credit bureaus. I feel like Transunion is disregarding the fact that i am a victim of identity theft and they are not willing to help me. I have stated that i know my rights under FCRA, and that all items that were reported as unauthorized and reported fraud or identity theft that should be removed from my credit report immedietly. The supervisor was unwilling to remove the inquries and this has been ongoing since XX/XX/XXXX. I know for a fact that these inquiries should be removed on the basis that i did not auhtorize and i did not apply to these places. I am listing these inquries along with attaching the FTC report for reference. 

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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