Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX 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 ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/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 ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX - Hello, I'm requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX AL XXXX - Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX, XXXX, AL XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK OK OK Account # : XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Account XXXX : XXXX Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$420.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Account XXXX XXXX by consumer, meets FCRA requirements Creditor Type : - Unsecured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$420.00} Payment Amount : XXXX {$84.00} Payment Status : XXXX Late 60 Days Term Length : XXXX XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I want to bring to your attention High Balance ( XXXX ) reporting {$430.00} The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
When I scrutinized Payment Status ( XXXX ) presenting Late 60 Days I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. 
Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! 
Viewing Date Opened ( XXXX ) demonstrating XX/XX/XXXX. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
XXXX - XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX 2 Year Payment History XXXX OK OK OK OK OK OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Account closed by consumer Creditor Type : - XXXX XXXX Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$1000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The inaccurate information above was never verified to be in line with official reporting standards. 
The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! 
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Bring to your attention High Balance ( XXXX ) reporting {$1000.00} What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! 
Viewing Last Payment ( XXXX ) demonstrating XX/XX/XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 
When I scrutinized Date Opened ( XXXX ) presenting XX/XX/XXXX. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I want to bring to your attention Account # ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
Viewing Payment Amount ( XXXX ) demonstrating {$0.00}. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History OK OK XXXX OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX  : XXXX Closed XXXX XXXX : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$30000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Account # ( XXXX ) demonstrating XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. 
Lets examine High Balance ( XXXX ) showing {$30000.00} I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. 
As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I want to bring to your attention Balance Owed ( XXXX ) reporting {$0.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
I was looking at Account Description expressing Individual We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately! 
XXXX - XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Closed Creditor Type : - XXXX XXXX Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Late 60 Days Term Length : XXXX XXXX The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards. 
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Bring to your attention XXXX XXXX XXXX XXXX ) reporting {$0.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX and what youre reporting for is not accurate. 
I was looking at Payment Status ( XXXX ) expressing Late 60 Days. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. 
When I scrutinized Date Reported ( - ) presenting XX/XX/XXXX This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. 
I was looking at XXXX XXXX  ( XXXX ) expressing Closed and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. 
Please delete this account from my credit report immediately. 
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Joint Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Settled - less than full balance Creditor Type : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$17000.00} Last Payment : XXXX - Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Lets examine Past Due Amount ( XXXX ) showing {$0.00} XXXX challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! 
Upon inspecting Payment Status ( XXXX ) exhibiting Current. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? 
Lets examine 2 Year Payment History showing Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Inquiries XXXX XXXX XX/XX/XXXX TransUnion This is an inquiry on my credit file without me knowing. I think it's wrong and should be removed or proof provided that you have permission to pursue this course of action under 15 USC 1681 et seq., section 604 I am asking for documentation ( physical documents ) showing compliance with FCRA guidelines so please reply as soon as possible! 
XXXX XX/XX/XXXX TransUnion You must give permission for someone to access your personal information, and this should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. 
XXXX XXXX XX/XX/XXXX TransUnion I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company. 
XXXX XXXX XX/XX/XXXX TransUnion The law clearly states that permission must be granted before someone accesses your personal information and this should never have happened without verification of application for credit with the company in question! Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. '' XXXX XXXX XX/XX/XXXX TransUnion I found some credit inquiries on my credit report that I didn't authorize. I didn't authorize anyone from these companies to view my credit report, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, so please verify and validate this information with these companies and provide me with copies of any documentation with my signature on it. I formally request that these fraudulent inquiries be immediately deleted from my credit file. You have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. 
XXXX  XX/XX/XXXX TransUnion I noticed unauthorized inquiries on my personal credit report, and contacted the creditors who placed the inquiries. I asked them to remove the inquiries and to stop their illegal activities, but they have failed to respond. I need your help to resolve this matter. I ask you to investigate the inquiry on Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX my credit report, and to remove it if it is found to be unauthorized. If it is found to be valid, I ask for a full description of your investigation procedures. 
XXXX XXXX XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not grant this company authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
XXXX XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report and request my credit score. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit score and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so I would appreciate it if you could remove this inquiry from my credit file immediately. I would also appreciate receiving documentation that you have investigated and removed the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see this information without my permission. The Fair Credit Reporting Act makes it clear that only those with the proper paperwork can view credit report information, so please provide these documents immediately or delete any potential inquiries related with this company. 
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. I don't know why this was reported, as you know this is not something that should have been reported. The Fair Credit Reporting Act states that no one may access your information without permission from you first. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company. Otherwise, delete the alleged inquiries immediately. 
XXXX XX/XX/XXXX TransUnion I was just looking at my credit report and noticed an inquiry that I don't remember authorizing. As you know, this isn't something that should be on my credit report! Under the Fair Credit Reporting Act, no one should be able to access my information without my permission, so please can you provide me with proof of what reason they had for doing so? I'm sure you'll agree that these inquiries shouldn't be on my credit after all! 
XXXX XXXX  XX/XX/XXXX TransUnion Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX .I did not know that companies were looking for my information. The one on your credit report was not familiar to me, but it looks like they put an inquiry without getting permission first. This is not possible unless something has been approved by me under U.S Code & 1681 es seq section 604 which states all users must have a permissible purpose when using consumer reports! Please remove this or send documentation proving how we can use these types of inquiries accordingly. 
XXXX XXXX XX/XX/XXXX TransUnion .There are companies looking for my information without my permission. The company on my credit report was unfamiliar to me, but it looks like they made an inquiry without getting my permission first. This is not possible unless they have my permission to do so under U.S. Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. 
XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not grant this company authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
XXXX XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all! 
XXXX XX/XX/XXXX TransUnion The law states that you must give permission before someone accesses your personal information. 
This should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. 
XXXX XXXX XX/XX/XXXX TransUnion! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible! 
XXXX XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states that no one may access your information without permission from YOU first, so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of-business venture through their company, as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
XXXX  XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit XXXX XXXX of 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 non-monetary relief