Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Formal Request for Removal of Unauthorized Inquiries and Violation of Credit and Maryland Laws Dear Sir or Madam, I am writing to formally request the removal of unauthorized and unknown credit and personal information inquiries that have been made by third parties via TransUnion, XXXX, XXXX, and XXXX ( XXXX ). These inquiries were made without my consent or knowledge and were used for purposes that remain unknown to me. 

I have recently been a victim of a credit information breach involving XXXX, TransUnion, and XXXX, where my personal data was compromised. As a result, my information has been misused, and multiple inquiries have been made by third-party companies, including : 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 These inquiries were made without my permission, and I believe they constitute a violation of my rights under both federal and Maryland laws . 

Violations of Federal and State Laws : Federal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Under the FCRA, consumer reporting agencies, including TransUnion, XXXX, XXXX, and XXXX, are required to obtain consumer consent before sharing or reporting personal information. The unauthorized inquiries made by third parties violate this provision. 

Federal Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) The FDCPA prohibits the unauthorized dissemination of personal information to third parties. The use of my credit and personal data for inquiries without my permission violates this act. 

Federal Violations Right to Financial Privacy Act ( RFPA ), 12 U.S.C. 3401 This law protects consumers from unauthorized access to their financial records, including checking and demand deposit account activity reported by XXXX XXXX and XXXX. My financial information was accessed without consent, breaching this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et seq. 
The XXXX prohibits the dissemination of personal information to third parties without proper authorization. My personal data has been used for unauthorized inquiries, violating this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This law requires companies to take appropriate measures to safeguard personal information and to notify consumers when a data breach occurs. The data breaches at XXXX, TransUnion, and XXXX compromised my information, which was then improperly used by third parties for inquiries. 

Request for Immediate Action : In accordance with federal and XXXX  XXXX laws, I request the following actions : Immediate removal of all unauthorized and unknown credit and personal information inquiries from my records at XXXX, TransUnion, XXXX, and XXXX ( XXXX ), as well as from XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. 

A thorough investigation into how my personal and credit information was accessed by these third parties without my consent or authorization. 

Written confirmation of the removal of all unauthorized inquiries and a detailed explanation of the steps that will be taken to prevent future unauthorized access to my personal data. 

Please treat this letter as a formal dispute and a demand for corrective action under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Right to Financial Privacy Act, the XXXX  XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX XXXX. I expect a response and resolution within the legally required timeframe of 30 days. 

Thank you for your prompt attention to this matter. I trust you will take the necessary actions to ensure that my rights are upheld and that my personal information is secured going forward

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