Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
ChatGPT [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau Attention : [ Name of Representative, if known ] [ Street Address ] [ City, State, Zip Code ] Subject : Dispute Regarding Fraudulent Inquiries on My Credit Report Dear [ Name of CFPB Representative ], I am writing to bring to your attention a concerning issue regarding my credit report, which involves TransUnion reporting fraudulent inquiries that need to be removed promptly. 

I recently obtained a copy of my credit report from TransUnion and was alarmed to discover several inquiries that I did not authorize or recognize. Upon further investigation, it became evident that these inquiries are the result of fraudulent activity, as I have not initiated any new credit applications or inquiries during the period in question. 

As a responsible consumer, I take great care to monitor my credit report regularly and promptly address any discrepancies or fraudulent activities. However, the presence of these unauthorized inquiries on my credit report not only undermines my financial integrity but also poses a significant risk to my creditworthiness and overall financial well-being. 

I have taken the necessary steps to dispute these fraudulent inquiries directly with TransUnion, providing all relevant documentation and evidence supporting my claim. Despite my efforts, TransUnion has failed to remove these inquiries from my credit report, which has prompted me to escalate this matter to your attention for further assistance and intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and facilitate the prompt removal of the fraudulent inquiries from my credit report. Additionally, I urge you to hold TransUnion accountable for their failure to address this issue in a timely and appropriate manner, as it directly impacts my consumer rights and financial standing. 

Enclosed with this letter are copies of my credit report highlighting the fraudulent inquiries in question, as well as any supporting documentation relevant to this dispute. I trust that your office will take swift action to resolve this matter and ensure that my credit report accurately reflects my credit history and financial activity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this dispute. 


Fraudulent Inquiries XXXXXXXX XXXX XXXX Inquiry date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX  XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately

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