Consumer complaint received 2024-03-13
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX SSN -- XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple unauthorized credit inquiries that have been made on my credit report. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the sections detailed below. I kindly request your assistance ( CFPB ) in enforcing my legal rights and ensuring the accuracy of my credit report. Unauthorized Inquiries : 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 Please remove them from my credit report. I have no recollection of authorizing these credit pulls and I demand this to be removed. Laws Violated : The unauthorized credit inquiries listed above potentially violate the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 604 : Permissible purposes for obtaining a consumer report. Section 607 : Responsibilities of consumer reporting agencies to ensure the accuracy of consumer information. Section 609 : Consumer 's right to request and dispute information in their credit report. Section 611 : Procedures for disputing inaccuracies on credit reports. Section 623 : Responsibilities of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of credit information to investigate disputed information. 

Personal Impact : These unauthorized credit inquiries have caused significant disruption in my life, extending beyond the financial realm. The uncertainty surrounding these inquiries has resulted in sleepless nights, persistent stress, and anxiety. I have always upheld responsible financial practices and have taken great pride in maintaining a positive credit history. The discovery of these unauthorized inquiries shattered my sense of security and exposed vulnerabilities I had never experienced before. The emotional toll has been profound. I tried to resolve this issue with TRANSUION and have been unsuccessful I have been forced to allocate valuable time and energy towards rectifying a situation that I did not initiate. The fear of identity theft and the distress of navigating the complexities of unauthorized credit inquiries have been overwhelming, affecting not only my financial stability but also my mental and emotional well-being. Request for Action : I respectfully request the following actions to be taken : Conduct a comprehensive investigation into the unauthorized credit inquiries mentioned above. Notify the relevant creditors of the violations and demand the immediate removal of these unverified accounts from my credit report. Ensure that my credit report accurately reflects my financial history by expunging all unauthorized inquiries. In conclusion, I have attached my FTC report related to this matter herein today. 

I appreciate your attention to this matter and the opportunity to address these violations. The impact on my life has been deeply distressing, and I look to your expertise ( CFPB ) to facilitate a resolution that restores my peace of mind. I eagerly await your response and the subsequent steps towards rectifying this situation. Thank you for your commitment to consumer protection. 

Sincerely, XXXX XXXX