Consumer complaint received 2024-01-29 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: DC

Complaint narrative:
Formal Cease and Desist notice Letter Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Following back on Consumer Complaint # : XXXX for XXXX XXXX on XXXX XXXX  Re XXXX XXXX XXXX Consumer Dispute Request Dear TransUnion , This is to serve as a formal Formal Cease and Desist notice demanding immediate removal of ALL numerous fraudulent Account Review Inquiries attributed to my credit report TransUnion. XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX via TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX via XXXX XXXX XX/XX/XXXX, you claim that I made these inquiries how can you prove it that was me. Furthermore Per 15 U.S. Code 1681 Responsibilities of furnishers of information to consumer reporting agencies You have a Responsibility to remove inaccurate information. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

You know how many XXXX XXXX in the world. Thats irrelevant. These Account Review Inquiries are coming off my report I filed a police report. You want to fight the police go ahead. I dont work for any non affiliates, I am my own entity. You need us. This is my mandate for you TransUnion to emanating from your agency under Credit Report for TransUnion. I have attached my TransUnion current Credit Report, my Credit Report Number : # XXXX XX/XX/XXXX My police Report Number : # XXXX My FTC Report Number : # XXXX XXXX XXXX! REQUESTED - REMOVE AND DELETE ALL XXXX XXXX ACCOUNT REVIEW INQUIRIES FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY!

Thats my mandate!

Correspondence also confirms that 1. Your company mailing address, operate independently of other agencies, merely representing myself as a consumer advocacy initiatives. I implore your urgent action to validate my contention, rectify any discrepancies or inaccuracies, and ensure this misleading data does not further jeopardize my credit standing or prospects.

My second request is to Opt me Out on ALL TransUnion regarding Inquiries offers and advertisements from my credit report! 

I just wanted to write this letter to formally dispute several fraudulent items on my report generated by your company TransUnion, I didnt give you authorization to do a credit check on my TransUnion Report. You took advantage of me because I am a XXXX citizen. You figured I would let this go. This is wrong unethical on your part. In violation of the Fair Credit Reporting Act. I firmly denies all liability associated with credit inquiries that allegedly originated from me on XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX via TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX via XXXXXXXX XXXX XXXXXX/XX/XXXX Total of 17 Account Review Inquiries plus the 5 inquiries from car dealerships. I have highlighted the Account Review Inquiries in BLUE for you and I have circled the 5 Account Review Inquiries for the dealership in RED so you can understand of what I am disputing. I have reported this beforehand.

Which appears as Account Review Inquiries on TransUnion, respectively. I have my lawyer and my financial advisor, you have a team, I also have a team. I can sue you for mega bucks. Down to superior court. I dont mind going down there where I live and file a lawsuit against TransUnion for XXXX  Bagging and Corruption against your company. The XXXX XXXX XXXX Police Department told me they have strong evidence indicating that TransUnion accusations against myself are unfounded as seen in the attached photographs credit report file highlighted and circled depicts a closeup of my report showing you the issue I am having with you TransUnion, also because I am a XXXX citizen and I have XXXX XXXX XXXX XXXXXXXX XXXX living in XXXX XXXX I have been working in this XXXX area for over 30 years. 


Mandate for you TRANSUNION DISPUTE TEAM XXXX XXXX MANDATE REMOVE ALL ACCOUNT REVIEW INQUIRIES FROM TRANSUNION IMMEDIATELY WITHOUT NO DELAY!!! 

HERE IS THE LIST!!! 

XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX DELETE THIS XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX DELETE THIS XXXX via TRANSUNION XXXX XX/XX/XXXX DELETE THIS TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX DELETE THIS XXXXXXXX XXXX DISCLOSURE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX DELETE THIS XXXX XXXX via XXXX XXXX XXXXXX/XX/XXXX DELETE THIS I have already sent you a XXXX XXXX XXXX Form Prior to last year. 
I would like to have these deleted per 15 U.S. Code 1681 The Account Review Inquiries are underlined in YELLOW My TransUnion File # XXXX MANDATE SIGNING OFF!!! 
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