Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Credit Inquiries Dear TransUnion , I hope this letter finds you well. I am writing to request the removal of certain credit inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following inquiries are negatively impacting my creditworthiness : 1. XXXX Inquired on XX/XX/XXXX, by a Finance other than personal business at XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Miscellaneous and public record business at XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX  Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Credit card and travel / entertainment companies business at XXXX XXXX XXXX, XXXX, XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and XXXX XXXX XXXX business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX  Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX  Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX, DE XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX  Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX  XXXX Inquired on XX/XX/XXXX, by XXXX other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX FIXXXX XXXX XXXXXXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

According to the FCRA and FACTA, I have the right to dispute inaccurate or incomplete information on my credit report, and I believe that these credit inquiries were not authorized by me or are otherwise inaccurate. Therefore, I kindly request that TransUnion investigate these inquiries and, if found to be inaccurate or unauthorized, remove them from my credit report.

I have enclosed copies of supporting documentation, including proof of my identity and any evidence I have that these inquiries are inaccurate or unauthorized.

Please acknowledge receipt of this dispute letter within five business days and initiate the investigation as required by law. I understand that the FCRA mandates that this investigation be completed within 30 days, and I eagerly anticipate your prompt response.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccurate inquiries from my credit report. You can contact me at XXXX or XXXX if you require any further information. 

Sincerely,