Consumer complaint received 2024-09-23
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. (MO)

Subject : Complaint Regarding Unauthorized Inquiries on My Consumer Report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Respondents : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Together Credit Union Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Complaint Description : I am filing this complaint to report multiple unauthorized credit inquiries on my consumer report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX, these entities accessed my credit report through XXXX without my authorization or any permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Details of Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Credit Bureau : XXXX On Record Until : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Credit Bureau : XXXX On Record Until : XX/XX/XXXX Creditor : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Credit Bureau : XXXX On Record Until : XX/XX/XXXX Creditor : Together Credit Union Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone Number : ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Credit Bureau : XXXX On Record Until : XX/XX/XXXX Violations of the FCRA : Unauthorized Access : Under 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), a person or entity must have a permissible purpose to obtain a consumer report. I did not initiate any transaction with any of the listed creditors, nor did I authorize them to access my credit report.

Improper Use of Information : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency is prohibited from providing information in connection with a credit transaction not initiated by the consumer.

False Pretenses : Under 15 U.S.C. 1681q, obtaining consumer information under false pretenses is a serious violation.

Civil Liability for Willful Noncompliance : Under 15 U.S.C. 1681n, each creditor may be liable for actual damages or statutory damages of not less than {$1000.00} for willfully failing to comply with the FCRA.

Requested Resolution : I request that all four creditors : Immediately delete the unauthorized inquiries from my credit report.

Provide a {$1000.00} settlement for damages per inquiry, as allowed under the FCRA for willful noncompliance.

Supporting Evidence : Copy of my consumer credit report from XXXX showing the unauthorized inquiries on XX/XX/XXXX. 
Copies of my correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX demanding the deletion of the inquiries and {$1000.00} settlements. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA. These unauthorized inquiries have negatively impacted my credit file, and I seek a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX