Consumer complaint received 2023-10-03
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. (PA)

Second Letter XXXX XXXX Transunion XXXX XXXX Re : Dispute of Inquiries Deemed Accurate on XXXX XXXX  Credit Report I am writing to express my dissatisfaction and concern regarding the inquiries on my credit report, which I formally disputed, and which were all declared accurate following your recent investigation. 

It is my belief that the inquiries have not been thoroughly verified for accuracy and completeness, which is not in compliance with several federal laws designed to protect consumers. Herein, I will highlight three pertinent laws and explain their relevance to my situation : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. ** - Specifically, under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute the accuracy or completeness of items on my credit report, and you have the responsibility to conduct a reasonable investigation of my dispute. Your resolution that all inquiries are accurate without providing a detailed verification process or documentation is questionable and does not provide clear evidence of a thorough investigation.

2. **Fair and Accurate Credit Transactions Act ( FACTA ), Public Law No. 108-159** - FACTA amended the FCRA and further mandates that all credit reporting agencies must follow procedures to ensure complete and accurate reporting. Given the lack of transparency and detailed verification provided in your investigation findings, it is unclear whether accurate and reliable procedures were followed to validate the inquiries in dispute.

3. **Truth In Lending Act ( TILA ), 15 U.S.C . 1601 et seq. ** - While TILA mainly focuses on the transparency of credit terms, it also implicates accurate reporting to credit bureaus as a part of transparent financial practices. Inaccurate inquiries can misrepresent my creditworthiness and negatively affect my ability to secure credit under fair terms. 
XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX  ( Finance ), Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX, Date : XX/XX/XXXX - XXXX XXXX, Date : XX/XX/XXXX - XXXX XXXX  XXXX, Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX, Date : XX/XX/XXXX - XXXX, XXXX, Date : XX/XX/XXXX - XXXX, XXXX : XX/XX/XXXX - XXXX, Date : XX/XX/XXXX Given the aforementioned laws and my unresolved concerns, I hereby request the following actions : - **Detailed Verification** : A detailed description and documentation of the verification process that was undertaken, including the method used to determine the accuracy of the disputed inquiries. 
- **Reinvestigation** : A new and thorough reinvestigation of the disputed items, taking into consideration all relevant information. 
- **Removal and Correction** : Should the reinvestigation uncover inaccuracies or incomplete information in the disputed inquiries, I request their immediate correction or removal from my credit report. 
- **Response Time** : I anticipate your detailed response within 30 days as prescribed under the FCRA, XXXX the steps taken to address my concerns and validate the disputed items. 

XX/XX/XXXX sent to the CFPB correspondence received regarding this matter, for your reference. 

I earnestly hope for your compliance with the aforementioned requests and federal laws and look forward to a prompt and thorough resolution of this matter. Should you fail to adequately address my concerns, I will consider escalating this matter by seeking legal advice and filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX