Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Immediate Removal of Unauthorized Inquiries- Legal Demand Dear TransUnion, This is a formal and urgent demand for the immediate removal of the following unauthorized inquiries from my credit report. These inquiries were made without my authorization, and I do not consent to any reporting of them on my file.

I demand that you remove these inquiries immediately. There will be no exceptions or delays. I will not accept any excuses or reasons as to why these inquiries can not be removed.

Unauthorized Inquiries : XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX  ( Reported on XX/XX/year> ) XXXX. XXXX XXXX  ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX ( Reported on XX/XX/year> ) XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX ( Reported on XX/XX/year> ) XXXX. XXXX ( Reported on XX/XX/year> ) XXXXXXXX XXXX XXXX XXXX ( Reported on XX/XX/year> ) XXXX XXXX XXXX ( Reported on XX/XX/year> ) Legal Basis for Demand : Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies, including unauthorized inquiries. The law clearly prohibits credit bureaus from reporting any inquiry that is not authorized by the consumer.

FCRA 604 ( 15 U.S.C. 1681b ) : Under this section, you may only report inquiries that are explicitly authorized by the consumer. I have not authorized any of the above inquiries.

FCRA 611 ( 15 U.S.C. 1681i ) : You are legally obligated to investigate and correct any inaccurate information within a reasonable time ( typically 30 days ). The failure to remove these inquiries constitutes an inaccuracy that violates my rights.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : It is unlawful for you to furnish any inaccurate or unauthorized information to other parties. Re-reporting unauthorized inquiries after being informed is a violation.

Final Notice - Legal Consequences I demand that you remove these unauthorized inquiries from my credit report immediately, no later than 24 hours from the receipt of this letter. Failure to comply with this demand will leave me no choice but to take legal action for willful non-compliance, including : 1. Filing a lawsuit for damages as permitted under the FCRA 616 and 617.

2. Seeking statutory damages, actual damages, and attorneys fees.

3. Contacting the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for a formal investigation.

You are on notice that I will not tolerate any delay or excuse. These inquiries must be removedthis is a final warning. I will take legal action immediately if they are not removed within the prescribed time frame.

Sincerely,

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