Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, 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. (KS)

I check my credit report once in a while and I was surprised to find out that I have 4 hard inquiries that I have no knowledge of and that I did not authorize. Inquiry # 1 XXXX XX/XX/XXXX, Inquiry # 2 XXXX XX/XX/XXXX, Inquiry # 3 XXXX XX/XX/XXXX Inquiry # 4 XXXX XXXX XXXX XX/XX/XXXX. I immediately contacted each one of them by mail asking them to send me any kind of authorization made by myself, or if they made an error to have the inquiry removed from my TransUnion credit report. I also sent a dispute to TransUnion about the four inquiries that I mentioned on my credit report. I asked TransUnion to open an investigation and all four companies responded by mail stating that they will not remove the hard inquiries because at the time that the information was provided at the time matched the credit bureau files and that the inquiries will be removed after 25 months, and I find that very concerning because I did not ask them when the hard inquiries will be removed or when the information that was provided at the time did match or did not match the credit bureau files. When I sent the companies a letter it stated that I have no knowledge authorized of that inquiry and I demand any kind of document which they did not send. Then I contacted the companies by phone demanding them to have that removed because it was not me. I asked them to send me a signed document by me or a recorded phone call authorizing them to pull my credit report. TransUnion did not respond to my letter more than 35 business days and by law a credit bureau must respond within 30 business days when opening a dispute and an investigation, and if they do not respond, by law it has to be removed from the credit files. I did contact TransUnion by phone after 35 business days to follow-up and they told me that they can not remove hard inquiries from a credit report only if the financial federal bureau will order them to have it removed. Therefore, I ask the CFPB to open an investigation and order TransUnion to have the four inquiries that I mentioned deleted and removed from my credit file or send me any document that authorized the four companies that I mentioned to pull my credit report. And I have another problem with TransUnion, in the past 5 months they keep adding my employment as XXXX XXXX to my credit report I have no knowledge and I was never employed with XXXX XXXX so every month I am disputing XXXX XXXX from my credit report by phone and they are deleting and removing that from my credit file and then the next month it keeps showing up again, so then I have to keep calling them again to dispute it and have it removed it's been continuously appearing back on there. The last time that I called them I asked to speak with a dispute specialist, I asked her who is reporting my employment with XXXX XXXX and she put me on hold for 5 minutes and then she told me that XXXX XXXX are the ones who are reporting that I am employed with XXXX XXXX ( I do have a lease for XXXX yrs with that dealership ) Then I contacted XXXX XXXX and asked them why they are reporting to TransUnion that I am employed with XXXX XXXX and the representative said that they do not report employments to the credit bureaus they are only reporting that I make payments on time. And I ask the CFPB to step in and order TransUnion to have the XXXX XXXX removed permanently with TransUnion credit report. Also, if supposedly XXXX XXXX is reporting XXXX XXXX employment that TransUnion will not be able to add that employment in the future. Or the CFPB open an investigation with TransUnion to find out who is reporting that and have them stopped. I will also be attaching the letter that I sent to the company and TransUnion.