Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Formal Dispute and Complaint Against TransUnion Unauthorized Hard Inquiries ( Identity Theft & Fraud ) To Whom It May Concern, I am formally filing a dispute and complaint regarding TransUnions refusal to remove unauthorized hard inquiries from my credit report. I have identified approximately XXXX unauthorized credit inquiries that were made without my consent, constituting both identity theft and fraud. These inquiries negatively impact my creditworthiness and violate federal and state laws. 

I previously disputed these inquiries with TransUnion, and despite my request for their removal, TransUnion failed to act in accordance with consumer protection laws, thereby violating my rights under : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) States that a credit bureau can not furnish a consumer report unless there is a permissible purpose. Since I never authorized these inquiries, they must be removed immediately. 
Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. TransUnion has failed to properly investigate and remove these fraudulent inquiries.

Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) Provides protections for identity theft victims, requiring the blocking of information resulting from fraud. Since these inquiries are the result of unauthorized access, TransUnion is legally required to remove them.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) ( XXXXXXXX XXXX XXXX XXXX Protects consumers from unauthorized access to their credit files and allows for disputes regarding fraudulent or unauthorized credit transactions.

Federal Trade Commission ( FTC ) & Consumer Financial Protection Bureau ( CFPB ) Regulations Require credit bureaus to provide accurate and fair reporting, and failure to remove unauthorized inquiries violates federal consumer protection laws.

Action Requested : I demand that TransUnion : Immediately remove all unauthorized inquiries from my credit report under FCRA regulations. 
Provide written confirmation of removal within 10 days of receiving this complaint. 
Cease any further reporting of these inquiries to third parties. 
Provide documentation showing which entities requested my credit report and proof of my authorization for each inquiry. 

Should TransUnion fail to act promptly, I will : File formal complaints with the FTC, CFPB, XXXX XXXX XXXX XXXX XXXX, and State Attorney General for violations of federal and state consumer protection laws.

Pursue legal action for damages resulting from willful noncompliance under FCRA ( 15 U.S.C. 1681n ), which allows for actual damages, statutory damages, and punitive damages. 
Seek a court order compelling removal of the unauthorized inquiries. 
This letter serves as a final notice before taking further legal steps. I expect a prompt and lawful resolution.

Company response to consumer: Closed with non-monetary relief