Consumer complaint received 2024-06-11 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:
Legal Demand for Removal of Unauthorized Items Based on Exclusions Under 15 U.S.C. 1681a ( d ) ( 2 ) and Related Provisions ATTN : TransUnion Consumer Solutions I am aware that your company may send a response letter requesting further verification and authorization to ascertain who is sending my letters. This practice might be intended to dissuade me from challenging the inaccurate and incomplete information being reported on my credit reports. 
I unequivocally affirm that I am fully aware of the accounts being disputed in my letters and that I am exercising my legal right to have them investigated. Therefore, I request that you refrain from any attempts to violate my consumer rights by sending response letters designed to obfuscate or delay the investigation process. 

Please proceed with the investigation of the accounts referenced in my letters in accordance with the violations cited. Cease and desist any responses that do not directly address and remediate the raised issues. 

I am writing to legally demand the immediate removal of several unauthorized inquiries that have been reported on my credit file maintained by TransUnion. These inquiries constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( d ) ( 2 ) and related provisions. 

Legal Basis for Dispute : 1. Exclusions Under 15 U.S.C. 1681a ( d ) ( 2 ) : According to 15 U.S.C. 1681a ( d ) ( 2 ), the term " consumer report '' does not include : ( A ) ( i ) : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 
( A ) ( ii ) : Communication of that information among persons related by common ownership or affiliated by corporate control. 
( A ) ( iii ) : Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 
( B ) : Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
( C ) : Any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m. 
The inclusion of inquiries in my consumer report that pertain solely to transactions and experiences between myself and certain creditors, without proper authorization or permissible purpose, is a direct violation of these exclusions. 

Unauthorized Reported Items : The following inquiries listed on my TransUnion credit report are unauthorized and illustrate specific violations XXXX XXXX XXXX XXXX XXXX This inquiry by XXXX violates the exclusion rule under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it involves information solely as to transactions or experiences between myself and XXXX, and should not be included in my consumer report. 

XXXX XXXX - XX/XX/XXXX : This inquiry is a direct violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it concerns transactions or experiences solely between myself and XXXX XXXX, which are explicitly excluded from the definition of a consumer report. 

XXXX XXXX - XX/XX/XXXX : This inquiry by XXXX XXXX violates 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). It concerns transactions or experiences solely between myself and XXXX XXXXXXXX, and thus should not be included in my consumer report. 

XXXX XXXX - XX/XX/XXXX : XXXX XXXX 's repeated inquiries on this date also breach 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). These inquiries pertain to transactions or experiences solely between myself and XXXX XXXXXXXX, which are explicitly excluded from consumer reports. 

XXXX XXXX XXXX XXXX XXXX  : The inquiry by XXXX XXXX XXXXXXXX violates 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it relates solely to transactions or experiences between myself and XXXX XXXXXXXX XXXX, and should therefore be excluded from my consumer report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry by XXXX XXXX is unauthorized under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it pertains solely to transactions or experiences between myself and XXXX XXXX  and should not be included in my consumer report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : The inquiry by XXXX XXXX  is not permissible under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it involves transactions or experiences solely between myself and XXXX XXXX, which are excluded from consumer reports. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXXXXXX XXXX inquiry violates 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), as it concerns transactions or experiences solely between myself and XXXX XXXXXXXX XXXX, and thus should be excluded from my consumer report. 

Demand for Correction : Given the aforementioned violations, I formally demand the following actions : Immediate Removal of Unauthorized Inquiries : Immediate removal of all inquiries from my credit report maintained by TransUnion, due to explicit violations of the exclusions under 15 U.S.C. 1681a ( d ) ( 2 ) and related provisions : Notification to Third Parties : Notify any third parties who received my consumer report with these unauthorized inquiries, informing them of the corrections made to my credit report. 

Written Confirmation : Provide written confirmation that the unauthorized inquiries have been removed and that my credit report has been corrected accordingly. 

Legal Consequences : Failure to address this issue promptly will leave me no choice but to seek legal remedies to enforce my rights under the Fair Credit Reporting Act. I expect your immediate attention and resolution of this matter within 30 days of receipt of this correspondence. 

Thank you for your prompt cooperation. 

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