Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX
RE: UNAUTHORIZED CREDIT INQUIRIES AND REQUEST FOR RESOLUTION
DEAR SIR/MADAM,
I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF
CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY TRANSUNION
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT
AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE
SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE
UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS: 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
I UNDERSTAND THAT TRANSUNION TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE
ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT
AN INDIVIDUAL'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER
EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM
PROPOSING A RESOLUTION THAT WOULD BENEFIT BOTH PARTIES INVOLVED.
ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE
SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY
REQUEST THAT TRANSUNION CONSIDER THE FOLLOWING:
1. REMOVE THE UNAUTHORIZED INQUIRIES: I ASK THAT TRANSUNION PROMPTLY REMOVE THE
UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE
INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.
2. COOPERATION AND GOODWILL: IN RETURN FOR TRANSUNION COOPERATION IN REMOVING THESE
UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION
OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE
EXPENSES ASSOCIATED WITH SUCH PROCESSES.
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE
PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE
ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND
POTENTIAL LEGAL DISPUTES.
I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN XXXX  DAYS OF RECEIPT TO CONFIRM
YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT
REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.
I VALUE TRANSUNION COMMITMENT TO MAINTAINING THE ACCURACY OF CREDIT INFORMATION, AND I
AM CONFIDENT THAT THIS MATTER CAN BE RESOLVED IN A MANNER THAT BENEFITS BOTH PARTIES
INVOLVED. IF YOU REQUIRE ANY FURTHER INFORMATION OR DOCUMENTATION FROM MY END, PLEASE
DO NOT HESITATE TO CONTACT ME AT XXXX XXXX  OR VIA EMAIL AT XXXX
THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY
RESOLUTION.
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