Consumer complaint received 2023-06-16
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. (CA)

Complaint:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a grave issue concerning my TransUnion credit report. I have recently discovered multiple fraudulent hard inquiries on my credit file, which I believe were made without my knowledge or consent. I kindly request the immediate deletion of these unauthorized inquiries from my credit report. 

The fraudulent hard inquiries listed below have caused me significant distress and have had a detrimental impact on my creditworthiness : XXXX  XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX  XXXX ( Bank )- XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) - XX/XX/XXXX I have diligently reviewed my credit report on a regular basis, but unfortunately, these fraudulent inquiries went unnoticed until recently. As a responsible and vigilant consumer, it is deeply concerning to me that these inquiries were able to occur without my knowledge, and I am certain that I did not authorize or initiate them.

In light of the situation, I firmly believe that the fraudulent hard inquiries were a result of identity theft or unauthorized access to my personal information. This malicious activity has not only compromised my financial security but also violated my rights as a consumer. I kindly request the Consumer Financial Protection Bureau 's assistance in rectifying this matter promptly.

I draw your attention to the following laws and rights that support my request for the immediate removal of these fraudulent hard inquiries from my credit report : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to ensure the accuracy, fairness, and privacy of the information in their credit reports. It is clear that the presence of unauthorized hard inquiries violates my rights under this legislation.

Identity Theft and Assumption Deterrence Act ( ITADA ) : This Act makes it a federal offense to knowingly use or transfer another individual 's identification information with the intent to commit unlawful activity. The presence of fraudulent hard inquiries strongly suggests that my personal information has been misused, making it imperative to remove these unauthorized inquiries promptly.

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA empowers consumers to dispute and have corrected any inaccurate or incomplete information on their credit reports. Given that these hard inquiries were not authorized by me, it is crucial that they are removed promptly to ensure the accuracy of my credit report.

I kindly request that the Consumer Financial Protection Bureau takes immediate action to investigate the fraudulent hard inquiries and work with TransUnion to ensure their complete removal from my credit report. Additionally, I urge you to take steps to safeguard my personal information from further misuse and extend any necessary protections to prevent future instances of fraudulent activity.

I greatly appreciate your prompt attention to this matter and request that you provide me with written confirmation once the fraudulent hard inquiries have been removed from my credit report. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and ensure that justice is served in this situation.

Thank you for your understanding and assistance in rectifying this distressing issue. I look forward to a swift resolution and remain at your disposal for any further information or documentation you may require. 

Yours faithfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief