Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
I filed a complaint with CFPB because I had incorrect information on my credit report and demanded its removal. An investigation was conducted, resulting in the partial removal of the incorrect inquiries ; however, not all incorrect inquiries were fully removed. I have previously disputed the following inaccuracies directly with TRANS UNION on XX/XX/XXXX, XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX, providing supporting documentation and requesting that they verify the accuracy of the information. Despite my dispute, the inaccuracies remain uncorrected on my credit report.

I am requesting the Method of Verification for the following disputed account ( s ) : Specifically, as it relates to credit inquiries that I did not authorize : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Moreover, it has caused undue stress and financial harm. 
Violations : I believe TRANS UNION, XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable investigation into my dispute.

Section 623 ( 15 U.S.C. 1681s-2 ) for providing inaccurate information to the consumer reporting agencies and failing to investigate my dispute.

Section 604 ( 15 U.S.C. 1681b ) for furnishing information without a permissible purpose.

This unauthorized access to my credit information directly contravenes the Fair Credit Reporting Act, specifically Section 1681b ( c ), which distinctly upholds individuals ' rights to privacy and restricts the sharing of information without explicit consent. The absence of my explicit approval for these inquiries constitutes a breach of privacy and potentially fraudulent activity.

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Its illegal to report transaction history pursuant to FCRA Section 604 ( a ) & 15 U.S.C 1681b ( a ).

I do not wish for the inquiries to be removed entirely ; instead, I want the information to be updated, and the negative inquiries to be adjusted to positive, as agreed upon in the credit report. I opt out of any authorization given to report my information to a third party without my consent.

Furthermore, I suspect that the above listed Credit Reporting Companies did not complete a thorough investigation, because XXXX XXXX XXXX XXXX XXXX filed a civil case against my PERSON in XXXX, that later ended in the matter being dissolved and disputed. Also, I would like documentation/proof of an existing contract or purchase order confirming any service with XXXX XXXX XXXX and XXXX XXXXXXXX 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