Consumer complaint received 2024-05-20 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:
**Subject : Dispute of Unauthorized Inquiries on Credit Report** Dear Sir/Madam, I am writing to dispute multiple unauthorized inquiries listed on my credit report, as detailed below. These inquiries were not authorized by me, and I request a thorough investigation into their origin and immediate removal from my credit report. Furthermore, I kindly request information on the actions taken to rectify this matter. 

Disputed Inquiries : | Institution | Inquiry Type | Date | Bureau | | -- -- -- -- -- -- -| -- -- -- -- -- -- -- | -- -- -- | -- -- -- -- | | XXXXXXXX XXXX  | XXXX XXXX XXXX XXXX  | TransUnion | | XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | TransUnion | | XXXX XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | | XXXX | - | XX/XX/XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion | | XXXX | - | XX/XX/XXXX | XXXX | | XXXX XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX | TransUnion | | XXXX | - | XX/XX/XXXX | XXXX | | XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | XXXX XXXX XXXX  - | XX/XX/XXXX | XXXX | | XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | TransUnion | # # # Reasons for Dispute : 1. **Unauthorized Inquiries** : I did not authorize any of the inquiries listed above.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : These unauthorized inquiries infringe upon my rights under the FCRA , specifically Sections 604 and 611, which ensure the accuracy and fairness of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request a thorough investigation into the unauthorized inquiries listed above and their removal from my credit report.

2. **Notification** : Please provide written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Unauthorized inquiries violate the FCRA 's provisions, including Sections 604 and 611.

Enclosed are copies of my credit reports highlighting the disputed inquiries, along with any supporting documentation affirming my claim of unauthorized inquiries. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and take appropriate action to rectify the inaccuracies on my credit report promptly. 

Sincerely, 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