Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized or Inaccurate Credit Inquiries Dear TransUnion/XXXX , I am writing to formally dispute unauthorized or inaccurate inquiries listed on my credit report and request their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit inquiries can only be included on my credit report if I initiated the request or provided written authorization for the creditor to access my report. After reviewing my credit report, I have identified the following inquiries that I do not recognize or did not authorize : Inquiries reporting on TransUnion ; Inquiry CONSUMERS... 
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Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Reporting XXXX ; Inquiry XXXX 
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Date of Inquiry XXXX XXXX XXXXXXXX XXXX Date of Inquiry XXXX Inquiry XXXX XXXX 
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Date of Inquiry XXXX XXXX XXXX XXXXXXXX 
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Date of Inquiry XXXX I kindly request an investigation into these inquiries to determine their legitimacy. 
If they can not be verified as authorized by me, I ask that they be permanently removed from my credit report. 
Legal Obligations As outlined by the FCRA : 1. You must investigate disputed inquiries within 30 days of receiving this letter. 
2. You are required to notify me of the results of the investigation within 5 business days of its completion.

3. Any unverifiable or unauthorized information must be promptly removed from my credit report. 

Failure to comply with these requirements may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Enclosed, I have included copies of my government-issued ID and proof of address to verify my identity. 

Please confirm receipt of this letter and provide updates regarding the status of the investigation. Should you require further information, feel free to contact me using the phone number or email provided above. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, I received that the inquiries were " Verified ''. I sent a letter requesting Proof of Verification and was not replied with proof for any of these unauthorized inquiries on my credit report.

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