Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, TransUnion LLC received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this submission as proof. I have also included a copy of the original letter you received. My initial letter stated the following According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I recently reviewed a copy of my credit report, and noticed there are credit inquiries that appear to be unauthorized. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. Therefore, the listed inquiries below were without my authorization, and for no legitimate business purposes. These inquiries appear to be very serious errors in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act Sections 609 and 604, as well as violating my rights to privacy. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable signed proof, you must remove the inquiries listed below immediately. 

I am requesting your credit bureau initiate an investigation to determine responsible parties in these unauthorized credit inquiries. As a part of your investigation, please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries. In addition, I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf. 

If you are unable to find MY written authorization for these inquiries, I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me the proof of this. 

At the time I am submitting this complaint, it is now XX/XX/year> ; 31 days after my initial letter was received by TransUnion LLC company. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed inquiries have not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within 30 days of receiving them. At this time, I have not received any information from TransUnion LLC stating that an investigation has been started nor completed concerning this matter. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to 45 days for verification.

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