Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, 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. (CA)

Dear Sir/Madam, I am writing to bring to your attention a grave matter concerning my TransUnion credit report. I have recently discovered fraudulent hard inquiries on my credit report that have been made without my knowledge or consent. These inquiries have had a detrimental impact on my creditworthiness, and I kindly request your assistance in rectifying this issue promptly. 

The following fraudulent hard inquiries have been reported on my TransUnion credit report : XXXX CO XXXX XXXX XXXX Bank ) - XXXX XXXX, 2023 XXXX ( Bank )- XXXX XXXX, 2023 XXXX CO XXXX CARD XXXX Bank XXXX XXXX XX/XX/2023 XXXX CO XXXX CARD ( Bank XXXX XXXX XX/XX/2023 XXXX ( Bank ) - XX/XX/2023 I would like to emphasize that I have never had any dealings or interactions with the aforementioned institutions. These hard inquiries do not correspond to any legitimate financial transactions or applications initiated by me. Therefore, it is evident that my personal information has been unlawfully obtained and misused for fraudulent purposes. 

As a diligent and responsible consumer, I regularly monitor my credit report for any suspicious activity. However, I regret to inform you that I did not notice these fraudulent hard inquiries on time due to the sophisticated nature of the fraudulent activity and the absence of any discernible red flags. It is distressing to acknowledge that such fraudulent inquiries can go undetected, but I assure you that I am taking immediate steps to address this matter and safeguard my financial security. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. The FCRA stipulates that credit reporting agencies must investigate and respond to any disputes within 30 days. Furthermore, it grants consumers the right to request the removal of inaccurate or fraudulent information from their credit reports. 

In light of the circumstances described above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to ensure the immediate removal of these fraudulent hard inquiries from my TransUnion credit report. I also request that you initiate a thorough investigation into the origin of these inquiries and take appropriate legal action against the responsible parties. 

Additionally, I have included supporting documentation, including copies of my identification and any other relevant information that may assist in the investigation. 

I am confident in the CFPB 's commitment to consumer protection and trust that you will handle this matter with the urgency and seriousness it deserves. Your intervention in this case will not only help restore my creditworthiness but also contribute to maintaining the integrity of the credit reporting system. 

Thank you for your attention to this matter. I eagerly await your prompt action and the resolution of this fraudulent activity. Please do not hesitate to contact me should you require any further information or documentation. 

My social security number : XXXX Yours sincerely, XXXX XXXX