Consumer complaint received 2024-01-31 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: DC

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.C. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear TransUnion Consumer Solutions Department & XXXX I am writing this letter of a complaint regarding the persistent appearance of " Account Review Inquiries '' my client XXXX  XXXX XXXX 's credit report for TransUnion File Number : XXXX Date Issued : XX/XX/XXXX, his previous credit report File Number for TransUnion is XXXX Date Issued XX/XX/XXXX XXXX XXXX XXXX Reappeared again on his credit file and some Account Review Inquiries hasn't been removed. 

This continuous reappearance has negatively affected his credit score despite no interaction or consent from my client for such Account Review Inquiries. The fact that this issue had previously surfaced and been rectified by your organization with respect to another family member further strengthens our convection regarding ongoing breach of Fair Credit Reporting Acr ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) provisions. It's unfortunate, TransUnion. In some cases. individuals or organizations might be aware of these discrepancies but fail to take effective measures to address them adequately due to various reasons, which only adds further distress for affected consumers like my client. Our aim here is to bring this issue to the forefront and ensure that you TransUnion acknowledges your responsibilities as a consumer reporting agency under FCRA and ECOA while providing a suitable resolution for XXXX 's matter. My primary aim as a XXXX XXXX is to aim in this correspondence is to bring your full attention to a series of blatant legal infractions committed by your organization under both Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). The reappearance of these unwanted Account Review Inquiries have resulted in unnecessary distress for my client as they adversely affect his credit rating, hindering his ability to secure favorable terms for financing purposes. In accordance with Section 1681i ( b ) from FCRA regulations. My client has lodged complaints after complaints about this matter with us as it has negatively impacted his credit score. According to his statement, these Account Review Inquiries have appeared multiple times without his consent or knowledge which is a clear violation of both Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). As per section 1681i ( a ) from the FCRA regulations, any consumer reporting agency that receives notice of a dispute from a consumer must conduct an investigation reasonably promptly under the procedures established by such bureaus to resolve disputes within a period not exceeding thirty days. As for my client includng all fraudulent inquiries or incorrect entries in XXXX 's credit reports will enable proper scrutiny of his report by TransUnion and give you a clear picture of the issues he has been experiencing. This method increases the chances that every questionable entry will be promptly investigated and addressed appropriately. Furthermore per 12 CFR 1002.110 Part Highlighting any legal violations you perceived ; 12 CFR 1002.110 Publication of Data and other disclosures highlights this ( e ) Further disclosure prohibited ( 1 ) Disclosure by a financial institution. A financial institution shall not disclose or provide to a third party the information it collects pursuant to 1002.107 ( a ) ( 18 ) and ( 19 ) except to further compliance with the Act or this part or as required by law.

( 2Disclosure by a third party. A third party that obtains information collected pursuant to 1002.107 ( a ) ( 18 ) and ( 19 ) for the purpose of furthering compliance with the Act or this part is prohibited from any further disclosure of such information except to further compliance with the Act or this part or as required by law. 

My client XXXX XXXX XXXX has been violated by all these third parties and non affiliates. They failed to NOT share his INFORMATION and they violated his rights as a federally protected consumer. All these banks and cooperations.

16 Account Review Inquiries needs to be DELETED AND REMOVE FROM HIS TRANSUNION CREDIT REPORT. Failure to remove the Account Review Inquiries can be taken further for a lawsuit against TRANSUNION and all the companies who had shared his information to a third party. 

XXXX XXXX 's MANDATE FOR TRANSUNION IS TO REMOVE ALL ACCOUNT REVIEW INQUIRIES WITHIN 30 days! 
I have uploaded two credit reports from you TransUnion the old report for XXXX and the one for XXXX. Please take this for your records and further proof and listen to my instructions. I am going to list the Account Review Inquiries to this letter and I am going to forward it to the companies and third parties investors who did the violations against my client. 

LIST OF ACCOUNT REVIEW INQUIRIES XXXX XXXX via TRANSUNION XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TU XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX These Account Review Inquiries are fraudulent, and these inquiries are not authorized by XXXX XXXX, and can you prove that he did these inquiries. 
Where is his signature in writing prove that it's him. No signature you can not prove it was him. XXXX XXXX have been a victim of identity theft since late XXXX. 
Stop playing games with him I have his XXXX XXXX XXXX XXXX ; we will not allow this behavior to happen. If you don't comply, we will file a lawsuit against all these non-affiliates. 

So, these FRAUDULENT ACCOUNT REVIEW INQUIRIES are going to be highlighted in YELLOW so you all can see it I'm going to add his previous CFPB complaint file numbers so you guys can check out my complaint against other banks. 
CFPB Complaint Number XXXX, CFPB Complaint Number XXXX. 

Also, as well I am already complained about this same issue with these inquiries this complaint Number is XXXX I had complained to TransUnion about the problem FTC Number is XXXX Sincerely, Consumer : XXXX XXXX XXXX XXXX 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