Consumer complaint received 2024-02-21
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. (CA)

To whom it may concern, I sent a complaint to Transunion LLC XX/XX/XXXX, to which you replied a month later : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you may wish contact the company directly. '' First and foremost, thank you for the suggestion of what I may wish to do as I went ahead and did that. Moreover, it is apparent to me from reading your response you did now read my XX/XX/XXXX complaint as it states " In short, I attempted to rectify the issue with XXXX XXXX directly [ already ] for months in vain. ", yet you suggest I contact them directly. Therefore, to refresh your recollection, I will reiterate my XX/XX/XXXX complaint : To whom it may concern, I am writing to file a formal complaint regarding an unauthorized hard inquiry that has appeared on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 5 U.S.C. 1681. In early XXXX, I inquired about what credit reports are looked into by XXXX XXXX and an agent told me they would only inquire against XXXX and XXXX ; however upon my applying on XX/XX/year> they did not inquire either of those bureaus and instead dinged me with a hard inquiry with Transunion. I did not authorize that hard inquiry, nor did they every ask me for permission when I spoke to them over the phone. What is worse is that they did not even approve my credit card due to some technicality such as sending my IRS proof of income documents on transcript letterhead instead of 1040 letterhead. I attempted to not let the hard inquiry be charged in vain, and sent them the correct 1040 letterhead, appealed their denial therefore, spoke to many representative for XXXX or XXXX consecutive months who would not take off the hard inquiry and only gave me the option of appealing to no avail. In short, I attempted to rectify the issue with XXXX XXXX directly for months in vain. According to 5 U.S.C. 1681 of the FCRA, consumers have the right to accurate and fair credit reporting. Upon reviewing my credit report, I discovered an unauthorized hard inquiry that I did not initiate or authorize. This inquiry has negatively impacted my credit profile and is a violation of my rights under the FCRA. I have taken the above steps to address this matter. Despite my efforts, the unauthorized hard inquiry is still on my credit report. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action in accordance with the FCRA. I kindly request that the Consumer Financial Protection Bureau initiate an investigation into this matter, ensure compliance with the FCRA, and take necessary steps to have the unauthorized hard inquiry removed from my credit report promptly. Please inform me of the steps taken and the resolution of this complaint.

This is all to say, nobody likes to be a hot potato and be tossed back into a conversation that was in vain, so please address this unauthorized hard inquiry as you are the party publishing that unauthorized hard inquiry. I have faith in that you will do the right thing. Thank you for you prompt attention to this matter.