Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. Statutory Damages ( Section 1681n ) If the credit reporting agency willfully fails to comply with the FCRA 's requirements, such as failing to investigate a dispute or maintaining inaccurate information, the consumer can be awarded statutory damages.

Willful non-compliance : The consumer can receive {$100.00} to {$1000.00} per violation, regardless of whether they can prove actual harm or financial loss. If the violation is deemed willful ( i.e., the agency knowingly or recklessly disregarded the law ), damages can be higher. 
Subject : CFPB Complaint Regarding Fraudulent Hard Inquiries and Violation of Consumer Rights Dear Sir/Madam, I am filing a formal complaint against the credit agencies regarding 19 fraudulent hard inquiries that have been wrongfully reported on my credit file. These inquiries were not authorized by me and are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

I have submitted a report to the Federal Trade Commission ( FTC ) confirming that these inquiries were fraudulent, and this report serves as conclusive evidence of the unauthorized nature of these actions. The credit agencies have failed to comply with Metro 2 standards and their responsibility to report accurate information. By failing to remove these fraudulent inquiries, they are in direct violation of the law and my consumer rights.

The credit agencies have 4 business days to remove these unauthorized hard inquiries from my credit report. If they fail to do so within this time frame, I will consider their actions a willful disregard of the law and will pursue further legal remedies. I trust that you will make it clear to the agencies that their actions are unacceptable and that they must take immediate corrective action. 

I expect the credit agencies to act swiftly to remove these fraudulent items. They must justify any refusal to do so with verifiable evidence, including case law or factual data that supports their position. Their failure to meet legal obligations will not be tolerated, and I will continue to pursue every available option to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief