Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion Executive Team and Compliance Department, This letter serves as a formal escalation of my ongoing and unresolved dispute regarding the fraudulent inquiries appearing on my credit report. Despite multiple attempts and the provision of all requested documentation, TransUnion continues to fail in its legal obligation to conduct a thorough investigation and remove these unauthorized items, thereby violating federal credit reporting laws.

I have previously submitted multiple requests for the removal of the following fraudulent inquiries : XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> I initially provided all necessary supporting documentation as requested by TransUnion. Most recently, I sent this information via certified XXXX Express Mail on XX/XX/year>, which was received by TransUnion on XX/XX/year>. 

Despite confirmation of receipt, your document verification team continues to unjustly deny my requests and employ stall tactics. I have contacted your team via telephone on numerous occasions, with the most recent call occurring today, XX/XX/year>, where I was provided with Case Number XXXX. During this call, I was able to have some of the fraudulent inquiries removed ; however, the representative was unable to assist with the remaining unauthorized items. 

TransUnion 's continued failure to remove these fraudulent inquiries constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a pattern of negligence in conducting proper investigations. Furthermore, TransUnion continues to close out my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) without conducting a genuine and comprehensive investigation into this matter. This practice is unacceptable and further underscores TransUnion 's disregard for its legal obligations and consumer rights. 

I demand immediate action to rectify this situation. Specifically, I require the following : Immediate and permanent removal of all remaining fraudulent inquiries from my credit report.

A comprehensive and genuine reinvestigation into the fraudulent nature of these inquiries, despite previous insufficient reviews.

A formal written confirmation of the removal of these inquiries within [ Number ] business days. 
A detailed explanation as to why my previous submissions and the evidence provided were deemed insufficient and why a proper investigation was not conducted.

Assurance that my CFPB complaints will be handled with the seriousness and due diligence they deserve, including a thorough reinvestigation of the underlying issues. 
Failure to promptly address these demands will leave me no alternative but to pursue all available legal remedies to protect my rights under the FCRA.

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