Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX SUBJECT : FORMAL DISPUTE OF FRAUDULENT INQUIRIES & DEMAND FOR REMOVAL RE : Consumer Name : XXXX XXXX XXXXXXXX XXXX XXXX  ( Note : It's best practice not to put your full SSN on a letter unless required for a specific secure form. You can add it if you prefer. ) Date of Birth : [ Your XXXX ] TransUnion Notification Date : XX/XX/XXXX To Whom It XXXX Concern : I am writing to formally dispute multiple unauthorized hard inquiries on my TransUnion credit report. This dispute is filed in direct response to the " Notice of XXXX XXXX '' letter I received from TransUnion on XX/XX/XXXX ( a copy is attached for your reference ). 

This notice informed me that my sensitive personal information, including my Social Security Number and Date of Birth, was compromised in a cyber incident involving a third-party application used by TransUnion. The timing of the fraudulent credit inquiries listed below is directly correlated with this security breach, indicating a high probability of identity fraud. 

The following hard inquiries were made without my knowledge, consent, or authorization. I did not apply for credit with these companies, and I have no existing business relationship with them pertaining to these inquiries. 

XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : [ Reported : XXXX XXXX, XXXX ] XXXX. XXXX - Inquiry Date : XX/XX/XXXX ( Note : This is prior to the breach notice but is included as suspicious ) Furthermore, I request that you place an extended fraud alert on my credit file for the maximum period of XXXX years, as provided for by law. Please send me an updated copy of my credit report confirming the removal of these items and the placement of the fraud alert. 

Given that your company is the source of the data compromise that likely led to these fraudulent activities, I expect a thorough and expedited investigation. 

Sincerely, ( Signature ) XXXX XXXX -- - Instructions for Use : XXXX. Fill in the Blanks : Add your full Social Security Number and Date of Birth in the header if you feel comfortable. Otherwise, you can include that information on a separate sheet labeled " XXXX XXXX XXXX. '' XXXX XXXX XXXX Dates : Check your full credit report for the exact dates of the inquiries for # XXXX ( CRACCEPT/CAC ) and # XXXX ( CREDITONEBK ) and add them to the list. 

XXXX. Attach Documents : Crucially, make a copy of the " Notice of XXXX XXXX '' letter you received from TransUnion and attach it to this dispute letter. This is your strongest evidence. 

XXXX. Send It : Mail this letter via XXXX XXXX Mail with Return Receipt Requested. This provides you with proof of mailing and proof that TransUnion received it. Keep a copy of the letter and all mailing receipts for your records. 

XXXX. XXXX XXXX : The FCRA generally requires credit bureaus to investigate disputes within XXXX  days. If you do not hear back or see the items removed, you will need to follow up. 

This letter clearly connects the fraudulent activity to TransUnion 's data breach, creating a compelling case for the immediate removal of the inquiries.

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