Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. - DELETE!!! 
I hope this message finds you well. I must express my sincere disappointment and concern upon reviewing the credit report associated with my XXXXXXXX XXXX XXXXXXXX and its corresponding XX/XX/XXXX. Regrettably, I find myself unfamiliar with the companies listed therein, leading me to believe that an inquiry has been made on my credit file without my knowledge or consent. Such a situation, if true, is utterly unacceptable, as it should only be possible with my explicit prior approval. I wish to draw your attention to the provisions outlined in the Fair Credit Reporting Act, which explicitly mandate that all users possess a permissible purpose under the act when obtaining a credit report. Consequently, I kindly request that you promptly rectify this matter by removing the unauthorized inquiry from my credit file or, alternatively, provide me with documented evidence that demonstrates a permissible purpose for this inquiry. 
Creditor Name XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized inquiry. - DELETE!!! 
XXXX - XX/XX/XXXX I hope this letter finds you well. I am writing to you in regards to an inquiry that has been placed on my credit report without proper authorization. As per the Fair Credit Reporting Act, it is necessary for a creditor to have documented proof of the consumer 's written authorization before reviewing their credit files. 
I would like to request a copy of the credit application that authorizes the disclosure of my credit files with my signature. If such authorization can not be found, I request that you remove the inquiry from the three main credit bureaus immediately. The presence of this inquiry is negatively impacting my credit report and hindering my ability to obtain necessary credit. 
I understand that time is of the essence and kindly request a response from you within thirty ( 30 ) days. Thank you for your cooperation and prompt attention to this matter. 
Upon receipt of my credit report, I have observed with considerable disappointment and concern the presence of credit inquiries made by entities for which I have no recollection of granting authorization. It is firmly established that any inclusion of an inquiry on my credit file without explicit consent is categorically unacceptable. Consequently, I earnestly implore you to expeditiously initiate the necessary measures to eliminate this specific inquiry from my credit file without delay. Furthermore, I kindly request the provision of comprehensive documentation attesting to your diligent investigation and subsequent eradication of the unauthorized inquiries in question, as this would be greatly appreciated. 
XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
Sincerely, XXXX XXXX XXXX of XXXX

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