Consumer complaint received 2024-12-09 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries.

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future.

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 

XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Automotive XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Automotive XXXX Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment

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