Consumer complaint received 2024-12-03 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:
XXXX, Transunion, and XXXX Subject : Dispute and Request for Removal of Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute several inaccurate credit inquiries listed on my credit report as provided by XXXX, Transunion, and XXXX. Upon review of the report, I have identified multiple errors in the reporting of these inquiries, which appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
The following inquiries are in question 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple entries from XX/XX/XXXXXXXX XXXX XXXX  Errors Identified : XXXX. Duplicate Hard Inquiries : Several creditors, includinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX, are listed multiple times on the same day or within a short timeframe. This duplication creates an inaccurate portrayal of my credit-seeking behavior and violates Metro 2 reporting standards for data accuracy. 
XXXX. Lack of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), hard inquiries must have a permissible purpose. I did not authorize multiple inquiries from the same creditors, nor was I informed of these inquiries in a manner that aligns with the law. 
XXXX. Unauthorized Inquiries : Some inquiries, such as those by XXXX and its related entities, were not explicitly authorized by me. These inquiries appear to have no legitimate purpose and should be removed immediately. 
XXXX. Misclassification of Inquiries : If any of these inquiries were soft inquiries or conducted for pre-qualification purposes, they are incorrectly classified as hard inquiries, further damaging my credit report unfairly. 
Request for Action : I kindly request that TransUnion, XXXX, and XXXX : XXXX. Investigate each of the above-listed inquiries to verify their accuracy and compliance with the FCRA and Metro 2 guidelines. 
XXXX. Remove any duplicate, unauthorized, or misclassified inquiries from my credit report. 
XXXX. Provide me with a written confirmation of the outcome of this dispute within 30 days, as required under the FCRA. 
XXXX. Remove address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

Enclosed, please find a copy of my credit report highlighting the disputed inquiries, along with a copy of my ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. If you require additional information or documentation, please do not hesitate to contact me at ( Your Phone Number ) or ( Your Email Address ). 
Sincerely, Look forward to your timely resolution.

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