Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
I am writing to formally dispute the presence of multiple unauthorized credit inquiries on my credit report. I have no record of authorizing these inquiries, and I suspect that my personal information may have been compromised ( potentially as a result of the XXXX data breach ). Under federal law, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 16811681x ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute and request the removal of any inaccurate or unauthorized information from my credit report. 

In particular, FCRA Section 1681i requires you to complete a reasonable investigation of my dispute and correct any errors within 30 days, and FCRA Section 604 restricts access to my credit report to only those with a permissible purpose. I have not provided consent for any of the inquiries listed below. 

The unauthorized inquiries in question are as follows : XX/XX/XXXX : XXXX ( Finance ) XXXX XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Auto ) PFS AUTO ( Finance ) XXXX  ( Bank ) XXXX  XXXX  ( Finance ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Auto ) XX/XX/XXXX : XXXX XXXX ( Auto ) XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( XXXX ) XXXX XXXX ( Bank ) XX/XX/XXXX : XXXX  XXXX  ( Finance ) XXXX  XXXX  ( Finance ) XXXX  XXXX  ( Finance ) XX/XX/XXXX : XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX : XXXX/XXXX  XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX? ( date incomplete ) XXXX XXXX ( Bank ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Auto ) XX/XX/XXXX XX/XX/XXXX : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XX/XX/XXXX : XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX I respectfully request that you investigate each of these inquiries under the FCRA and XXXX, remove all entries found to be unauthorized, and provide me with a written confirmation of the corrections made to my credit report. Enclosed are copies of my credit report with the disputed items clearly highlighted, along with identification documents for your verification. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period mandated by the FCRA.

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