Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Regarding Unauthorized Inquiries on Credit Report Due to Identity Theft Introduction I am writing to formally lodge a complaint against TransUnion regarding the persistent unauthorized inquiries on my credit report, which I have disputed multiple times due to identity theft stemming from various data breaches over the years. Despite my efforts to rectify this issue, I find myself in a frustrating cycle of disputes that have not led to a satisfactory resolution. 

Background of Identity Theft and Data Breaches Over the past several years, I have been a victim of identity theft, which has resulted in unauthorized accounts being opened in my name and numerous inquiries made without my consent. These incidents are often linked to significant data breaches that have affected millions of consumers. As a result, my credit report reflects inquiries that do not accurately represent my financial behavior or creditworthiness. 

Dispute Process with TransUnion I have initiated disputes with TransUnion on more than four occasions regarding these unauthorized inquiries. Each time, I provided documentation supporting my claims of identity theft, including police reports and affidavits. However, despite following the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to remove these inquiries in a timely manner or provide adequate explanations for their persistence. 

The FCRA mandates that consumers have the right to dispute inaccurate information on their credit reports and requires credit reporting agencies like TransUnion to investigate these disputes thoroughly. However, it appears that TransUnion is not adhering to these legal obligations, as evidenced by their repeated failure to resolve my disputes satisfactorily. 

Violation of Consumer Rights The continued presence of these unauthorized inquiries on my credit report constitutes a violation of my consumer rights as an American citizen. The FCRA is designed to protect consumers from inaccuracies and fraudulent activities affecting their credit profiles. By allowing these inquiries to remain despite clear evidence of identity theft, TransUnion is undermining the protections afforded under this law. 

Request for Immediate Action Given the circumstances outlined above, I am requesting that TransUnion take immediate action to remove all unauthorized inquiries related to identity theft from my credit report. This request is not only justified based on the evidence provided but also necessary for restoring my credit standing and ensuring compliance with federal regulations. 

I expect a prompt response outlining the steps that will be taken to address this matter. Failure to resolve this issue may compel me to escalate my complaint further through regulatory channels or seek legal recourse. 

Conclusion In conclusion, I urge TransUnion to take this complaint seriously and act swiftly in removing the disputed inquiries from my credit report. The ongoing impact of these inaccuracies is detrimental not only to my financial health but also infringes upon my rights as a consumer.

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