Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Repeated Mishandling of Disputed Inquiries Violation of FCRA To Whom It May Concern, I am writing to formally lodge a complaint regarding the repeated mishandling of disputed inquiries on my credit report by TransUnion. I believe that your actions constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly under sections related to the accuracy of credit reporting, unauthorized inquiries, and the reinsertion of disputed items without proper notification. 

Background On [ insert date ( s ) of your initial disputes ], I submitted disputes to TransUnion regarding several unauthorized inquiries that appeared on my credit file. These inquiries were made by creditors with whom I have no accounts, past or present, and I never authorized such inquiries. Specifically, these unauthorized inquiries are from the following entities : XXXX. XXXX XXXX XXXX XXXXXXXX ] XXXX. [ XXXX XXXX ] XXXX. [ XXXXXXXX XXXX XXXX  Following my disputes, TransUnion removed these inquiries from my credit report. However, to my shock, these same inquiries were subsequently reinserted into my credit file without any proper explanation or the required reinvestigation notices, as mandated by law. 

Violations of the FCRA I believe TransUnions actions constitute multiple violations of the FCRA, including but not limited to : 1. Failure to Assure Maximum Accuracy ( 15 U.S.C. 1681e ( b ) ) : TransUnion has a duty to ensure maximum possible accuracy in the information included on my credit report. Allowing unauthorized inquiries to remain or be reinserted into my file without proper investigation demonstrates negligence in this duty.

2. Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Despite my disputes, TransUnion failed to adequately reinvestigate and verify the accuracy of the disputed inquiries before re-adding them to my file.

3. Failure to Provide Notice of Reinserted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Per the FCRA, TransUnion is required to notify me within five business days if previously deleted information is reinserted into my credit report. I did not receive any such notification.

4. Reporting of Unauthorized Inquiries ( 15 U.S.C. 1681b ) : Unauthorized inquiries are a violation of my rights under the FCRA. These inquiries do not meet the permissible purposes outlined in 1681b, as I never authorized or initiated any transaction with these entities.

Request for Immediate Action I demand the following actions to rectify this situation : 1. Immediate Deletion of Unauthorized Inquiries : Remove the unauthorized inquiries from my credit file permanently and ensure they are not reinserted without proper justification and notification, as required by law.

2. Written Confirmation : Provide me with a written confirmation that the disputed inquiries have been permanently removed from my credit report.

3. Explanation of Processes : Provide a detailed explanation of how these inquiries were reinserted into my credit file without proper verification and notification.

4. Compliance with FCRA : Conduct a full investigation into how TransUnion violated the FCRA in handling my disputes, and implement measures to prevent such mishandling in the future.

Notice of Potential Legal Action If this matter is not resolved promptly and satisfactorily, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal action to protect my rights under the FCRA.

Please respond to this complaint in writing within XXXX days, as required by the FCRA. You may contact me at [ XXXX ] or XXXX ] if further clarification or information is needed. 

Thank you for your immediate attention to this matter. I trust that you will resolve this issue promptly and in accordance with your obligations under federal law. 

Sincerely, [ XXXX XXXX XXXX ]

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