Consumer complaint received 2024-08-20 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: WA

Complaint narrative:
Heres the draft of your new dispute letter to TransUnion regarding the unauth **TransUnion Consumer Solutions** XXXX XXXX XXXX  XXXX **Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX** To Whom It May Concern, I am writing to dispute an unauthorized hard inquiry that was placed on my credit report by XXXX XXXX  in XXXX XXXX This inquiry was done without my permission, and it is a violation of my rights under federal law. I have previously disputed this matter, but it was incorrectly verified by TransUnion. Despite my request, XXXX XXXX  has not provided any documentation or details on the steps taken to verify this inquiry. 

**Violation Details : ** 1. **Unauthorized Hard Inquiry : ** XXXX XXXX  performed a hard inquiry on my credit file without my explicit authorization. This is a violation of my consumer rights under 15 USC 1681c-2 and Section 1643. 

XXXX. **Failure to Properly Verify : ** Although I disputed this inquiry, the response I received was merely a verification without any explanation or documentation of the steps taken to verify the accuracy of the inquiry. This lack of transparency is unacceptable. 

**Legal Obligations Under FCRA Section 605B : ** FCRA Section 605B requires credit reporting agencies to block the reporting of any information resulting from identity theft or unauthorized actions within XXXX business days of receiving notice. This mandate is clear and leaves no room for discretion. Given the circumstances surrounding this inquiry, I expect TransUnion to adhere to this legal requirement and promptly block and remove the unauthorized hard inquiry from my credit report. 

FCRA Section 605B states : > " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' **Requested Remedy : ** I request that TransUnion immediately block and remove the unauthorized hard inquiry by XXXX XXXX  from my credit report, as required by FCRA Section 605B. This action must be completed within the mandated four-day period. 

Additionally, I ask that TransUnion restore my credit to its original state before this unauthorized inquiry was made and provide documentation detailing the steps that were taken during the initial investigation. 

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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