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: SC

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent inquiries that have appeared on my TransUnion credit report. As an XXXX  and XXXX individual, I have encountered six unauthorized credit inquiries on my report, which I did not initiate or authorize. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this issue, but I require further assistance in resolving this matter. 

Description of the Issue : Upon reviewing my TransUnion credit report, I discovered the following six unauthorized inquiries that were made without my consent : 1. 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  These inquiries have negatively impacted my credit score and my overall financial standing. As someone who depends on good credit for financial stability, this situation has caused me significant distress. 

In response to these fraudulent inquiries, I promptly filed a report with the FTC ( Report Number : XXXX ), and I contacted TransUnion to dispute the inquiries. However, despite these efforts, TransUnion has not resolved the issue. The fraudulent inquiries remain on my credit report, and my attempts to have them removed have been unsuccessful. 

Consumer Rights Violated : I believe that TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ), including : 1. Right to Accurate Credit Reporting : The FCRA guarantees my right to an accurate credit report. The presence of unauthorized and fraudulent inquiries constitutes a violation of this right. 
2. Right to Dispute Information : The FCRA allows me to dispute inaccurate or unauthorized information on my credit report. TransUnions failure to address and rectify these disputes violates this right. 
3. Failure to Investigate : TransUnion is obligated under the FCRA to conduct a reasonable investigation when a consumer disputes information on their credit report. I believe TransUnion has not fulfilled this obligation, as the fraudulent inquiries remain unaddressed. 

Important Note : While I am seeking the removal of these unauthorized inquiries, I do not want a fraud alert placed on my credit report. A fraud alert is not necessary in my case and could complicate my access to credit. I am specifically requesting that the removal of these inquiries be handled without placing a fraud alert on my credit report. 

Impact : These fraudulent inquiries have resulted in a lower credit score, which could potentially lead to higher interest rates, denial of credit, and other financial challenges. As an XXXX  and XXXX individual living on a fixed income, this has caused me undue stress and poses a risk to my financial well-being.

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