Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Addresses of Each Bureau Subject : Notice of Intent to Sue for Unauthorized or Inaccurate Inquiries and {$1000.00} per Violation Due to FCRA, CFPB Compliance Violations with Supporting Case Law To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against TransUnion, XXXX, and XXXX for failing to investigate, verify, and remove unauthorized or inaccurate inquiries on my credit report. Despite prior disputes, these inquiries remain unverified and continue to harm my credit profile, violating the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. I am demanding immediate removal of each inaccurate inquiry and compensation of {$1000.00} per unauthorized or unverified inquiry. 

List of Inquiries in Dispute The following inquiries appear on my credit report across TransUnion, XXXX, and XXXX and are believed to be inaccurate or unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, TransUnion XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, TransUnion These inquiries remain on my report despite requests for validation. Each inquiry is negatively affecting my creditworthiness and was not authorized by me. Under FCRA, these must be removed if unverifiable. 

1. Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA mandates that credit reporting agencies verify the legitimacy of inquiries, especially when disputed by consumers. The continued presence of unverified inquiries on my credit report violates : 15 U.S.C. 1681b Governs permissible purposes for obtaining consumer reports. Unauthorized inquiries made without my consent or for unverified purposes are a violation of this statute. 
15 U.S.C. 1681i Requires credit reporting agencies to conduct a reasonable investigation into disputed information and delete any unverifiable data. TransUnion, XXXX, and XXXX failure to verify or remove these inquiries violates FCRA. 
The Supreme Court decision in TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) established that credit reporting agencies are liable for inaccuracies that harm consumers. This case underscores the agencies obligation to ensure accuracy and verify each entry, particularly inquiries that impact consumer credit profiles. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) affirmed that failure to conduct a reasonable investigation into disputed information can lead to liability under FCRA. By failing to address my dispute regarding these inquiries, TransUnion, XXXX, and XXXX are in clear violation of FCRA obligations. 

2. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations prohibit the use of deceptive or abusive practices in consumer reporting. The continued reporting of unverified inquiries, despite disputes, constitutes a deceptive practice, harming my financial standing and violating CFPB standards. 

3. Remedy Sought To resolve these violations without litigation, I request that TransUnion, XXXX, and XXXX : Immediately remove each unverified or unauthorized inquiry listed above from my credit report. 
Issue written confirmation that these inquiries have been removed from my report across all credit bureaus. 
Compensate me {$1000.00} per inquiry for each instance of non-compliance, as allowed under FCRA and other applicable laws. 
If these actions are not completed within 30 days of receiving this letter, I am prepared to seek statutory, actual, and punitive damages, under FCRA, CFPB regulations, and supporting case law. 

Conclusion This letter serves as TransUnion, XXXX, and XXXX final opportunity to rectify these reporting violations. Failure to act within the specified timeframe will result in legal action to seek full damages and corrective measures. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX