Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern
I am hereby contesting the accuracy of any information contained within my credit report that lacks
substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and
derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act (FCRA) and
adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance
with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively.
Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust.
I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as
mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence
substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I
insist on the removal of said account from my credit report. In accordance with this request, I grant
authorization for the delivery of physical documentation detailing your actions and an updated copy of my
credit report. Your prompt attention to this matter is greatly appreciated.
Listed below are the Personal Information that are being challenged
Employer - XXXX XXXX XXXX
Incorrect Name: - XXXX XXXX XXXX  Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX, FL XXXX  Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX, FL XXXX  Listed below are the Accounts that are being challenged
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect - The personal data reporting is inaccurate.
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I am writing to request that you kindly update your records regarding the account of Employer with XXXX XXXX XXXX. I have noticed that the current information in your records is inaccurate and does not meet the
minimum standard for accuracy.
May I kindly bring to your attention that failure to correct inaccurate data may result in legal action. Inaccurate
information has no place in either your records or on my credit report, and as a valued customer, I respectfully
demand that it be removed without any delay.
Incorrect Name: - XXXX XXXX XXXX  The following personal information is incorrect - The personal data reporting is inaccurate.
Incorrect Name: - XXXX XXXX XXXX
I would like to kindly request your attention to a matter pertaining to the accuracy of names listed within your
esteemed database. It would be greatly appreciated if you could ensure that my true and complete name is
properly reflected as XXXX XXXX. If there are any variations or discrepancies in your records, I kindly ask
that you promptly remove them to align with the accurate information provided. Your immediate assistance in
this regard would be highly valued and contribute to the overall reliability and integrity of your data.
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX, FL XXXX  The following personal information is incorrect - The personal data reporting is inaccurate.
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX, FL XXXX  I am writing to bring to your attention a critical matter pertaining to my credit file. It has recently come to my
attention that an address is associated with my credit report which is no longer my place of residence and is
non-deliverable by the United States Postal Service. In the interest of safeguarding my personal identity and
preventing any potential identity fraud, I kindly request that you remove this incorrect address from my file
without any delay. Furthermore, I would like to emphasize that I have never resided at the aforementioned
address, and thus, this personal information is inaccurate and incomplete. I urge you to take prompt action in
removing this information from my credit report, as it is your responsibility to ensure that the information in my
file is up-to-date and accurate.
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX, FL XXXX  The following personal information is incorrect - The personal data reporting is inaccurate.
Incorrect Previous Address: - XXXX XXXX XXXX XXXX XXXX FL XXXX  I would like to bring to your attention that the address associated with my profile is no longer valid and has
been deemed undeliverable by the United States Postal Service. In order to prevent any potential instances of
identity fraud, I kindly request that you remove this address from my account. It is imperative that this action is
taken as soon as possible, and I trust that you understand the gravity of this situation. Moreover, I would like to
inform you that I have never resided at this address, and therefore, the personal information linked to it is
inaccurate and incomplete. I urge you to please delete this address from my credit file to ensure the
correctness and integrity of my credit report.
XXXX XXXX XXXX XXXX  This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment
status across XXXX, XXXX, and Transunion violate 15 USC 1681e(b), which mandates the bureaus to
maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in
reporting activity dates. - I have not received any documentation validating the legitimacy of this debt or
confirming the details reported. Under FCRA 15 USC 1681i(a)(5)(A), unverifiable information must be deleted
from my report. If the credit bureau cannot substantiate this account's accuracy, I expect to be removed
immediately
I regret to express my disappointment regarding the lack of documented evidence concerning compliance
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reporting standards and applicable consumer laws, which represents a significant deficiency. It is imperative
that the flawed and inaccurate report be expeditiously deleted to rectify this matter. Failure to comply may
result in legal repercussions for your company, as it has not fulfilled the prescribed requirements outlined by
the law in terms of compliance and consumer protection. Accurate information is of utmost importance to
proactively mitigate potential future issues. Regrettably, it appears that your seriousness in addressing this
matter is lacking, and I am compelled to consider pursuing legal action as a necessary course of action.
XXXX  - XXXX  The inconsistency misrepresents my payment history and is clear violation of FCRA 15 USC 1681e(b), which
mandates that credit bureaus must report accurate and consistent information. - Under 15 USC 1681i(a)(1)(A),
I request an immediate investigation into these discrepancies. If accurate information cannot be obtained, this
account must be updated or deleted. The account is marked with comment "Consumer disputes this
information charge" However the information has not been updated to reflect any resolution, violating my rights
under 15 USC 1681s-2(a)(3). I have not receiving any evidence validating the legitimacy if this debt or details
reported. Under FCRA 15 USC 1681i(a)(5)(A) unverifiable information must be deleted from my report. If
Equifax cannot provide substantiating documentation for this account, I expect it to be removed immediately
I am writing to express my profound disappointment regarding the current status of the information associated
with XXXX  and XXXX  within your database. It has come to my attention that the data is not
up-to-date and fails to adhere to the minimum standards of accuracy that one would expect. I feel compelled to
bring this matter to your immediate attention, as the presence of incorrect and incomplete information within
your database and on my credit report is both unacceptable and incongruous. In light of these concerns, I
respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner
may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount,
and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database.
XXXX XXXX XXXX XXXX  This account is inaccurately reporting late payments on multiple bureaus. The discrepancies in the payment
status XXXX, XXXX, and TransUnion violate 15 USC 1681e(b), which mandates the bureaus to maintain
maximum possible accuracy of consumer reports. The account also display inconsistency in reporting activity
date. - This is paid as agreed and should not be reporting negatively on my report. I am disputing the accuracy
of this account under 15 USC 1681i. Please update the late payments to "Paid as agreed, never late," in
accordance with 15 USC 1681e(b). The account must be corrected across all three bureaus, or it should be
removed due to incomplete and inaccurate reporting. Failure to correct these discrepancies violates 15 USC
1681i(5). If the issues are not resolved, the account should be deleted.
I must express my disappointment that despite my repeated requests, you have not yet provided me with any
documented proof of compliance reporting standards and applicable consumer laws. This deficiency is
significant and cannot be overlooked.
As a result, I kindly request that you take immediate action to delete this flawed and inaccurate report from
your records. Failure to do so may result in legal action being taken against your company for failing to meet
the requirements set out by law with regards to these matters.
It is imperative that we have access to accurate and reliable information in order to prevent preventable issues
from arising in the future. Therefore, I would appreciate it if you could provide me with the necessary
documentation, so that I may better understand the situation at hand.
In addition, please refer to the attached image pertaining to my XXXX XXXX XXXX XXXX, which
highlights additional areas of concern. I would greatly appreciate it if you could take the necessary steps to
address these concerns promptly.
XXXX  - XXXX  The account is listed as "closed" by XXXX  and Transunion, but "open" by XXXX. The inconsistency in
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reporting violates FCRA 15 USC 1681e(b), which mandates that credit bureaus report only accurate and
consistent informartion. - This is account is inaccurately reporting late payments, and discrepancies in
reporting the across bureaus violate 15 USC 1681e(b), which mandates maximum possible accuracy in
consumer reports. The "Late Pay" issue reflects inconsistent data between XXXX, XXXX, and TransUnion,
which is legally required to be fully accurate and consistent.
I am writing to express my profound dissatisfaction with the current state of the information pertaining to
XXXX  and XXXX  within your database. It is disheartening to note that the provided data lacks
currency and fails to adhere to the essential benchmarks of accuracy. I implore you to address this matter with
the utmost urgency. Failure to rectify this situation in a timely manner may leave me with no choice but to
pursue legal recourse. It is imperative to emphasize that erroneous and flawed data should have no bearing
within your esteemed database or on my credit report. Consequently, I earnestly request the immediate
deletion of said information.
XXXX  - XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i,
15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
XXXX  - XXXX,
I kindly request your attention to the data presented above, which appears to lack proper certification to meet
reporting standards. Additionally, it is important to acknowledge that this information may be incomplete,
outdated, or unsupported. With utmost respect, I would appreciate your prompt consideration in removing any
inaccurate or unsupported material from this page.
XXXX  - XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from
my consumer report.
We would like to bring to your attention the inconsistency pertaining to the currently reported XXXX  with account number displayed as XXXX, which has been observed across the
three credit reporting agencies. It is our obligation to ensure that all reported items comply with the mandated
reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards. Any
inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a discrepancy from
these standards, which must not deviate to maintain the integrity of the data, as stated in the XXXX XXXXXXXX XXXX.
As such, until there is evident confirmation of all aspect(s) of claim(s) that are factually true, correct, complete,
timely, physically verifiable, and elsewise undeniably valid, particularly if not certifiably compliant in full
according to the above-mentioned Metro 2 formatted industry requirements, the reported item in question
remains lawfully questionable.
XXXX  - XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from
my consumer report.
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We would like to bring to your attention that the XXXX currently being reported, along with its
corresponding account number XXXX, exhibits inconsistencies across the three major credit reporting
agencies. It is important to note that any discrepancy, incompleteness, inaccuracy, or omission in the reported
information goes against the Metro 2 Data-filled Field Formatted reporting compliance standards, which are
mandatorily enforced by the reporting industry. Deviation from these standards can potentially compromise the
integrity of the data, as outlined in the XXXX XXXXXXXX XXXX, and thus, raises concerns about the legality of the
reported item until all claims are verifiably true, correct, complete, timely, physically verifiable, and fully
compliant with the aforementioned Metro 2 formatted industry requirements. Therefore, we kindly request your
attention to the following suspect data fields associated with the contested reported item of injury.
XXXX  - XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i,
15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
I am writing to bring to your attention the following details pertaining to XXXX  - XXXX. It is
important to note that the aforementioned data has not undergone certification to comply with any reporting
standards. Consequently, we cannot assure its accuracy, currency, or comprehensiveness. Moreover, it is
pertinent to highlight that this information may be incomplete, outdated, or lacking support. Therefore, I kindly
request the removal of any erroneous or unsupported content from this page.
XXXX XXXX XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - PLEASE DELETE ACCOUNT. This account violate these laws 15 USC 1681i,
15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
I would like to respectfully bring to your attention that the account identified as XXXX XXXX XXXX has been
reported as an alleged XXXX, which has not been confirmed. I have received a section of a credit report
indicating that the account number has not been reported or is not in compliance with the established
standards for credit reporting agencies. This can raise concerns about the accuracy and integrity of the data
being reported. It is important to adhere to the established standards for reporting data fields, including the
account number, without any deviation, as emphasized in the report. Thank you for your attention to this
matter.
XXXX XXXX XXXX
The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.
Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC
1681e(b), which mandates maximum possible accuracy in credit reporting. - Please remove any inaccurate,
incomplete, and/or unverifiable information from my consumer report.
We would like to bring to your attention that there appears to be an inconsistency with regards to the
XXXX  associated with the displayed XXXX  across all three credit reporting agencies.
It is imperative to note that any inconsistency, incompleteness, inaccuracy or omission in the reported item is a
deviation from the mandatory industry standards for reporting compliance, as per the Metro 2 Data-filled Field
Formatted reporting compliance standards. Any deviation from these standards could potentially jeopardize the
integrity of the data (as stated in XXXX XXXX XXXX, and therefore, the accuracy of the reported item is subject
to lawful scrutiny until all aspects of the claim are factually confirmed to be true, correct, complete, timely,
physically verifiable, and otherwise undeniably valid, particularly if not compliant with the above-mentioned
Metro 2 formatted industry requirements. We respectfully request your attention to the following suspect
reported data fields alleged for this now contested reported item of injury.
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XXXX  - XXXX  This account is reporting inconsistencies in reporting is a violation of FCRA 15 USC 1681e(b), which requires
credit bureaus to report only accurate and consistent information. - PLEASE DELETE ACCOUNT. This
account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
XXXX  - XXXX,
I respectfully bring to your attention that the data provided above has not undergone the necessary certification
process to meet established reporting standards. Additionally, it appears that this information may be
incomplete, outdated, or lacking proper support. Therefore, I kindly request the removal of any inaccurate or
unsupported content from this page. XXXX XXXX XXXX XXXX  This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from
my consumer report.
XXXX XXXX XXXX XXXX
I kindly bring to your attention that the aforementioned data has not been duly certified to comply with
established reporting standards. Additionally, it is crucial to acknowledge that this information might be
incomplete, outdated, or lacking in support. Therefore, I respectfully request the removal of any inaccurate or
unsupported content from this page.
XXXX XXXX XXXX XXXX  The collection account shows inconsistencies in bureaus and lacks validation under 15 USC 1692g.
Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC
1681e(b), which mandates maximum possible accuracy in credit reporting. - PLEASE DELETE ACCOUNT.
This account violate these laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. XXXX XXXX XXXX XXXX,
I would like to kindly bring to your attention that the data presented above appears to lack certification to meet
the required reporting standards. Additionally, it is essential to acknowledge that this information may be
incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or
unsupported material from this record. XXXX XXXX XXXX
This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit
bureaus, which violates 15 USC 1681e(b) requiring maximum possible accuracy in consumer reports. The
"Late Pay" and "Charge Off" remarks are inconsistent, and the balance information lacks compliance with the
standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from
my consumer report.
I respectfully request that any detrimental aspects related to the allegations made against me be expunged
from my credit report. The specific item in question is XXXX XXXX XXXX I hold the belief that this
item may have been reported unjustly, lacking the necessary authentication, or even in violation of the law.
It is my understanding that the law requires the expunction of the accusations of late payments associated with
this item. Thus, I request that such allegations be deleted from my credit report promptly.
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INQUIRY XXXX XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I have attempted to communicate with INQUIRY XXXX XXXX XXXX regarding the credit inquiry they
placed on my credit profile. Despite my request for the removal of the inquiry and the cessation of their
unlawful activities, they have failed to respond. It has been over 30 business days since I sent the letter, and I
have not received any communication from their office.
As a result, I am respectfully requesting your assistance in resolving this matter. Pursuant to the provisions of
the Fair Credit Reporting Act, I kindly request that you conduct an investigation into this inquiry on my credit
report to determine the identity of the authorizing party. If, following the completion of your investigation, you
find merit in my assertion, I request that you promptly remove the unauthorized inquiry from my credit report
and provide me with an updated copy of my credit report, which can be sent to the address listed above.
In the event that you determine the inquiry to be valid, I respectfully request that you provide me with a detailed
description of the procedures that were utilized during your investigation within 15 business days of its
conclusion. Thank you for your prompt attention to this matter.
INQUIRY - XXXX XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
INQUIRY - XXXX XXXX XXXX XXXX  I am writing to express my deep concern regarding an unauthorized inquiry that appeared on my credit report
recently. As you are aware, under the Fair Credit Reporting Act, it is imperative that no one accesses an
individual's information without obtaining their prior consent. Therefore, I would like to request that you provide
me with evidence that justifies the presence of this inquiry on my credit report.
I kindly ask that you furnish me with the necessary documentation that demonstrates the basis for this inquiry,
including any relevant details and signatures that confirm that I had indeed applied for a loan or line-ofbusiness venture through the company in question. I believe that upon reviewing the evidence, you will agree
that these inquiries were not appropriate and should not have been included on my credit report.
I would appreciate it if you could resolve this issue promptly and ensure that my credit report accurately
reflects my creditworthiness. Please let me know if there is any additional information that you may need from
me to resolve this matter satisfactorily.
INQUIRY - XXXX XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I hope this message finds you well. I recently reviewed my credit report and identified an unauthorized inquiry
related to my account with INQUIRY and XXXX XXXX XXXX XXXX According to the Fair Credit Reporting
Act, it is imperative that my information remains safeguarded, and access to it requires proper authorization.
Hence, I kindly request your assistance in providing evidence of the justification for this inquiry. Your
cooperation in promptly resolving this matter is greatly appreciated.
INQUIRY - XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I write to bring to your attention a concerning matter regarding my recent review of the credit report I received.
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It has come to my notice that several credit inquiries have been recorded from companies that I do not recall
granting authorization to. I am well aware of the importance of obtaining explicit consent before placing any
inquiry on my credit file, and thus, I kindly request that you take immediate action to remove this unauthorized
inquiry from my credit file. Additionally, I kindly request that you provide me with comprehensive
documentation confirming that a thorough investigation has been conducted and that the unauthorized
inquiries have been expeditiously removed from my records.
INQUIRY - XXXX XXXX XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I trust this message finds you well. I am writing to address a matter concerning my account with INQUIRY and
its corresponding XXXX XXXX XXXX XXXX XXXX. During a recent review of my credit report, I have come across
an unauthorized inquiry. Under the provisions of the Fair Credit Reporting Act, it is imperative to ensure that
my personal information remains protected, and access is granted solely with proper authorization. I kindly
request your assistance in providing documented justification for the aforementioned inquiry. Your prompt
attention to this concern is highly appreciated, and I believe that together, we can ensure the accuracy and
integrity of my credit report.
INQUIRY - XXXX XXXX XXXX  Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
Regarding the information provided under the INQUIRY - XXXX XXXX XXXX, I would like to bring to your
attention that it has not been verified to meet the necessary reporting standards. Its accuracy, completeness,
and currency have not been established, and to ensure compliance with consumer protection laws,
documentation proving compliance is required. The information supplied is inadequate, and I am requesting
the immediate deletion of any incorrect, incomplete, or unsupported data.
I would greatly appreciate it if you could provide me with any further information or documentation necessary to
address these concerns and ensure that the information provided is compliant with the relevant standards.
INQUIRY - XXXX XXXX XXXX XXXX  Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I recently obtained a copy of my credit report and was disconcerted to observe credit inquiries made by
companies for which I have no recollection of granting authorization. I am aware that inquiries should not be
placed on my credit file without proper consent, and I kindly request the prompt removal of this unauthorized
inquiry from my credit file. Furthermore, I would greatly appreciate receiving official documentation confirming
that a thorough investigation has been conducted and that the aforementioned unauthorized inquiries have
been successfully expunged.
INQUIRY - XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I recently obtained a copy of my credit report and was surprised to discover credit inquiries made by
companies that I have no recollection of authorizing. As per the established protocols, it is crucial that no
inquiries be placed on my credit file without explicit authorization. Therefore, I kindly request the immediate
removal of this particular inquiry from my credit file. Additionally, I would highly appreciate receiving
comprehensive documentation affirming that a thorough investigation has been conducted and the
unauthorized inquiries have been diligently eradicated.
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INQUIRY XXXX XXXX XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
I hope this message finds you well. I am writing to bring to your attention the presence of an alleged hard
inquiry on my credit report associated with my INQUIRY and XXXX XXXX XXXX XXXX Upon receiving
my credit report today, I noticed this inquiry, but I do not have any recollection of authorizing it. Therefore, I
kindly request that you provide me with documented proof of the credit application, including a valid signature
confirming my application for credit with the said company. If such documentation cannot be provided, I would
appreciate an immediate removal of the alleged inquiry from my credit report.
INQUIRY - XXXX XXXX XXXX
Verify that the following inquiry was authorized? - If you are unable to verify this information, please promptly
remove it from my credit report.
Please see attachment

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