Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX D.C. XXXX Re : Dispute of Unauthorized and Fraudulent Account Inquiries on TransUnion Credit Report To Whom It May Concern, I am writing to dispute unauthorized account inquiries on my TransUnion credit report that were made without my consent. Upon reviewing my report, I found several account inquiries that I did not authorize, and I suspect that these inquiries are fraudulent. I am requesting that these unauthorized inquiries be removed immediately. 
The unauthorized inquiries in question are as follows : XXXX. TRANSUNION CONSUMER XXXX Requested on XX/XX/XXXX XXXX. XXXX XXXX XXXX Requested on XX/XX/XXXX XXXX. XXXX XXXX XXXX Requested on XX/XX/XXXX XXXX. TRANSUNION INTERACTIVE Requested on XX/XX/XXXX XXXX. XXXX XXXX via TRANSUNION INTERACTIVE IN Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX via TRANSUNION INTERACTIVE Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Requested on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX  DISCLOSURE Requested on XX/XX/XXXX XXXX. XXXX XXXX via XXXX XXXX XXXX Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX via XXXX XXXX XXXX Requested on XX/XX/XXXX XXXX. XXXX via TRANSUNION INTERACTIVE Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation : I have reviewed the aforementioned inquiries and can confirm that I did not authorize any of them. They are either fraudulent or the result of identity theft. I respectfully request that you initiate an immediate investigation into these fraudulent inquiries and remove them from my TransUnion credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. Specifically, I am citing the following U.S. Code provisions : 15 U.S.C. XXXXc which governs the permissible purpose of credit report inquiries. 
15 U.S.C. 1681i ( a ) ( XXXX ) which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, including inquiries. 
15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ) which mandates that I be notified of the results of any reinvestigation within XXXX days. 
15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) which requires the removal or correction of inaccurate information upon verification. 
Requested Action : XXXX. I request the immediate removal of all fraudulent and unauthorized inquiries from my credit report. 
XXXX. I request a confirmation of the findings of your investigation and the actions taken to resolve this issue. 
XXXX. I ask that you notify me of the results of the reinvestigation within the required XXXXday period. 
I trust that you will investigate these inquiries and correct my credit report in accordance with the law. Should you need any additional information to assist with your investigation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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