Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It has been extremely difficult getting XXXX to remove an inquiries from my credit report that I did not make. It all started in XXXX XXXX when I got an alert through XXXX regarding " my application for a chase card '' and that the card had been approved. I immediately called XXXX the next day being that when I got the alert it was after business hours ( if I remember correctly ). Anyway when I called XXXX I was pretty XXXX because they asked me for information I was uncomfortable disclosing since I had not applied for their card in order to cancel the approved card. I gave them what they were asking for such as birthday, last 4 digits or whole social security number, first and last name, address and email I think. Anyway I told them aggressively I did not request this card and I did not want it and to cancel it. I told them not to send it. I asked them how did they get my in formation to approve me for a card. Well before that they tried to sell me an identity protection product which really made me mad because I felt that there was some scam going on within the company where either someone was trying to up sales on this identity protection product or getting approved cards in peoples names for some scandalous purpose. Then I asked the question I mentioned before the previous sentence. Anyway they claimed the transaction was made through XXXX. Well I had n't applied for credit through XXXX either. So after I got through talking to them and them cancelling the card and told me they would remove the inquiry from my credit I called XXXX. I asked XXXX  if they had a record of my applying for credit around this time ( Oh by the way I also notice another XXXX XXXX inquiry on my credit in XXXX XXXX at this time also ). XXXX affirmed they had no record of my applying for credit in XXXX or XXXX of XXXX and I know I did n't because throughout the year I was too busy being my XXXX younger sister 's secondary caretaker. Anyway I said that because I 'm angry that I have to deal with this in the midst of grief. I contacted XXXX  in early XXXX about the inquiries again because they were still on there. They assured me they would have them removed both from XXXX and XXXX and had sent me a letter stating they would have them masked. Fast forward I had contacted them again I think around XXXX of XXXX because they were still on the Transunion and XXXX  reports. XXXX it was showing up as XXXX as a XXXX inquiry, and As an XXXX inquiry XXXX on Transunion. I never paid much attention to the XXXX alert because of my sisters illness but by the time the second alert came for the XXXX inquiry she XXXX  XXXX. XXXX was one of the most stressful painful times in my life and I had mentioned that to them on more than one occasion and yet today these inquiries are still on my XXXX and trans union reports impacting them negatively of which I DID NOT MAKE, after I was told on more than one occasion they would be removed and sent 2 separate letters months apart telling me they would be masked. Well I did n't get the masking thing either when I did n't authorize them to make the inquiry anyway.

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 explanation