Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alerted to several credit applications on my credit report, that were submitted on XX/XX/XXXX and XX/XX/XXXX. I immediately froze my credit on all three major Credit Bureaus and placed a fraud alert on by SSN. This was all done online through there web pages. I then contacted XXXX by phone and XXXX via there online portal and uploaded a copy of my identity theft police report, utility bill, and a copy of my drivers license and they removed it easily and promptly within 30 minutes. 
I attempted to do the same with Transunion and they are wanting me to jump through hoops and enact congress to have it removed. This is crazy, I am a victim, I have proof I reported it to law enforcement and they want me to do all the work that is not necessary. In fact one step is for me to contact the credit card company that did the application. Well I had already done that and they stated they can't remove it and that the credit bureau would have to? I thought the purpose of the Transunion was to assist me in having it removed due to fraud, and not the consumer having to do it for them? 

Here is a copy of the CHAT with TU. 

You are now connected to XXXX. 
Info - XXXX XXXX  Welcome to our live chat service. My name is XXXX and I am here to assist you. 
XXXX - XXXX XXXX  XXXX  XXXX XX/XX/XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual i am a victim of identity theft, how do I dispute this ] You - XXXX XXXX  Please complete below form. 

XXXX has sent you a Secure Form : PII Form The following Secure Form has been submitted : PII Form Hold on XXXX - XXXX XXXX  Your patience is appreciated. I will be with you shortly. 

Please note that we can notify the creditor regarding your dispute reason. Please confirm from the below options inquiry has made by with permissible purpose, Fraud, Not mine or Unauthorized. 
XXXX - XXXX XXXX  permissible purpose, Fraud, Not mine or Unauthorized. 
CORRECT A POLICE REPORT HAS BEEN MADE You - XXXX XXXX  Please choose any one reason from above list. 
XXXX - XXXX XXXX  Fraud, You - XXXX XXXX  Its unfortunate to know that. Because this is indeed related to fraudulent activity, we would need to start the process to delete the hard inquiries on your credit report. 
To begin, you will need to get only one of these documents so we can use it as a backup for the deletion. If it was made without your consent or authorization, you can request a Deletion Letter to the lender who has made the inquiry. However, if it is related to fraud you can get a police report or a Federal Trade Commission report due to identity theft. 
In case you need it the Federal Trade Commission phone number is ( XXXX ) XXXX. 

When you get the document, the second step is for you to share with us a complete copy of it together with a cover letter including : your complete name, address, last 4 digits of your SSN and a brief description of your request. 
You can also share with us a complete copy of your documents together with a cover letter including : your complete name, address, last 4 digits of your SSN and a brief description of your request. 
Both of these documents need to be sent to : TransUnion XXXX XXXX  XXXX XXXX, PA XXXX We will receive your documents days after you send them and we will send you back a confirmation letter. 

Kindly note that Inquiries can only be removed with written authorization from both you and the inquiring subscriber. 
Please know that currently, the only option we have to receive inquiries dispute by mail because they are statements of fact. Therefore, we need proof that you did not authorize them. Are you okay if I provide you with the mailing requirements? 
The address is as to send the documents below : TransUnion XXXX XXXX  XXXX XXXX PA XXXX To send a credit inquiry removal letter, you should contact any credit reporting agency that is reporting the inquiry. Credit inquiry removal letters can be sent to both the credit reporting agencies and the lender who issued the credit inquiry. 
1. Notify the lender first Notifying the lender before you send a removal notice is necessary if you plan to take the dispute further to court. This is the proper first step for removing hard inquiries.

Make sure to send the credit inquiry removal letter via certified mail. This form of mail will give you proof that the credit issuer or lender received the appropriate first notification to remove the hard inquiry.

2. Include a copy of your credit report Including a copy of your credit report with the highlighted unapproved hard inquiries may help others reference your case. Although the credit reporting agencies will have easy access to your report, a hard copy will help investigators when processing your request.

3. Send to the appropriate credit bureau It is important to send your letter to the credit bureau with a record of the hard inquiry you want removed. Below are the addresses for each bureau : TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Dispute Information Center XXXX - XXXX XXXX  WHY DOES YOUR COMPANY MAKE IT SO HARD/ I DID THE XXXX AND XXXX ON LINE OR OVER THE PHONE You- XXXX XXXX  Please contact the creditor who made the incorrect inquiry and ask them to send you a written authorization for making an incorrect inquiry. 
1. Once you send the written authorization from the creditor along with the written authorization from you we will investigate this with the creditor who made the inquiry to verify it after complete investigation we will remove the inquiry from your credit report if the inquiry is made incorrectly by the creditor.

2. Contact the lender directly to ask them about the inquiry. If they find it was made in error, ask them to inform the credit reporting agencies.

3. If the lender finds the inquiry was made fraudulently, report it to the FTC. Youll receive documentation, which you can use when disputing the fraudulent inquiry to the credit reporting agencies. Use our Fraud Companion Guide for step-by-step help.

Note : This is how it works .If an inquiry is made incorrectly by the creditor then you need to contact them and inform them so they will request us to remove it from our end. 
You can also request them a written authorization from them so you can send it to the above mailing address so we will start investigation on this issue. 
XXXX - XXXX XXXX  THIS IS YOUR COMPANIES RESPONSIBILITY. WHY SHOULD I HAVE TO DO ALL WORK FOR YOU I AM GOING TO FILE A COMPLAINT WITH THE FTC AGAINST TRANSUION You

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