Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently Transuion sent me an explanation that companies can obtain credit reports for a " permissible purpose '' under the Fair Credit Reporting Act ( FCRA ). However, my complaint highlights instances where the inquiries listed in my report violate the exclusions specified under 15 U.S.C. 1681a ( d ) ( 2 ). 

Violations Not Addressed Unauthorized Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my explicit consent and involve information solely related to transactions or experiences between myself and these entities. According to 15 U.S.C. 1681a ( d ) ( 2 ), such information should not be included in my consumer report without proper authorization. 

This response suggests that I contact the companies directly to resolve these issues. This suggestion overlooks your responsibility to ensure that consumer reports are accurate and comply with federal law. The FCRA mandates that consumer reporting agencies must maintain reasonable procedures to ensure accuracy and compliance, which includes investigating and correcting unauthorized inquiries. 

Given the willful non-compliance with 15 U.S.C. 1681a ( d ) ( 2 ) and the failure to address the unauthorized inquiries adequately, I am compelled to seek legal remedies. I demand the immediate removal of the aforementioned unauthorized inquiries from my credit report. Additionally, I request that you notify any third parties who received my consumer report with these unauthorized inquiries about the corrections. 

I am placing a complaint against TransUnion regarding multiple unauthorized inquiries that have been reported on my credit file. These inquiries constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( d ) ( 2 ) and related provisions.

It has also come to my attention that TransUnion has been sending response letters requesting further verification and authorization, which seems designed to dissuade consumers from challenging inaccurate and incomplete information. I am fully aware of the accounts being disputed and am exercising my legal right to have them investigated. I request that the CFPB enforce the law to ensure my consumer rights are upheld without unnecessary delays.

More importantly, I explained in my last dispute that the law requires consumer reporting agencies to respect consumer rights to privacy and adequate disclosures as well as to the contents of what a consumer report should contain.

Here is the Legal Basis for my Dispute Exclusions Under 15 U.S.C. 1681a ( d ) ( 2 ) : ( A ) ( i ) : Reports containing information solely about transactions or experiences between the consumer and the person making the report.

( A ) ( ii ) : Communication of that information among persons related by common ownership or affiliated by corporate control.

( A ) ( iii ) : Communication of other information among such related persons if it is clearly and conspicuously disclosed to the consumer and the consumer is given the opportunity to direct that such information not be communicated.

( B ) : Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

( C ) : Reports where a third party requested a specific extension of credit directly or indirectly to a consumer, provided the third party advises the consumer of the name and address of the person to whom the request was made and makes the required disclosures under section 1681m.

The inclusion of inquiries in my consumer report that pertain solely to transactions and experiences between myself and certain creditors, without proper authorization or permissible purpose, is a direct violation of these exclusions. 

Unauthorized Reported Items The following inquiries on my TransUnion credit report are unauthorized and illustrate these violations : XXXX XXXX XXXXXX/XX/XXXX : This inquiry involves information solely about transactions between myself and XXXX  and should not be included in my consumer report. 
XXXX XXXX - XX/XX/XXXX : This inquiry pertains solely to transactions between myself and XXXX XXXX and is explicitly excluded from consumer reports. 
XXXX XXXX - XX/XX/XXXX : Similar to the previous, this inquiry involves transactions solely between myself and XXXX XXXX. 
XXXX XXXX - XX/XX/XXXX : This repeated inquiry by XXXX XXXX also breaches the exclusion rules for transactions between us. 
XXXX XXXX XXXXXXXX - XX/XX/XXXX : This inquiry relates solely to transactions between myself and BANK XXXX XXXX and should be excluded. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry pertains solely to transactions between myself and XXXX XXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry involves transactions solely between myself and XXXX XXXX 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry by XXXX XXXXXXXX XXXX  concerns transactions solely between us.