Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint Description : I am submitting this complaint to formally address unauthorized inquiries that have appeared on my personal credit report across XXXX, TransUnion, and XXXX, in clear violation of federal laws governing consumer rights and credit reporting. Despite having no record of my written consent or authorization, multiple inquiries have been added to my personal credit profile. This unauthorized access has negatively impacted my credit score, compromised my financial standing, and violated my right to privacy as outlined under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are listed below by credit bureau : XXXX : Unauthorized inquiries from XXXX XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), XXXX XXXX XXXXXXXX ( XX/XX/year> ), and XXXX ( XX/XX/year> ). 
TransUnion : Unauthorized inquiries from XXXX ( XX/XX/year> ) and XXXX XXXX  ( XX/XX/year> ). 
XXXX : Unauthorized inquiries from XXXX ( XX/XX/year> ) and XXXX XXXX  ( XX/XX/year> ). 
Each of these inquiries was placed on my credit report without explicit authorization, in direct contravention of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports. The FCRA mandates that consumer reports may only be accessed under specific conditions, such as written instruction from the consumer. I have not provided such consent to any of the above entities, nor to any third-party intermediary, for these inquiries. 

In addition to filing this complaint, I have taken the following steps : Formal Written Affidavits : I have issued formal affidavits to each of the three credit bureaus, XXXX, TransUnion, and XXXX, asserting the facts of this matter under penalty of perjury. These affidavits demand the immediate deletion of unauthorized inquiries and request updated credit reports reflecting these corrections. 

Legal Citations and Statutory Violations : My affidavits cite specific sections of the FCRA, including 15 U.S.C. 1681b ( permissible purposes for accessing consumer reports ), 15 U.S.C. 1681n ( civil liability for willful noncompliance ), and additional provisions supporting my right to privacy. I have made it explicitly clear that continued non-compliance will result in formal complaints to regulatory bodies, further legal action, and claims for statutory damages. 

Demand for Accountability and Compliance : Each affidavit calls for accountability from XXXX, TransUnion, and XXXX, with a clear expectation of corrective actions within 15 days. I have requested written confirmation that these unauthorized inquiries have been removed, accompanied by an updated copy of my credit report. 

In summary, the presence of these unauthorized inquiries not only infringes upon my federally protected rights but also poses a reputational and financial risk. As a consumer, I am entitled to privacy, accuracy, and compliance with all applicable statutes. I urge the CFPB to review this matter urgently, as these violations are not only detrimental to my financial health but also constitute willful non-compliance with federal law by the credit bureaus involved. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.