Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
On a previous complaint to the CFPB ( in XX/XX/XXXX ) regarding unauthorized inquiries appearing on my credit report through Transunion, I submitted an affidavit from the Federal Trade Commission to have them blocked and/or removed from my credit report expeditiously as instructed to do so by law. Transunion refused to remove all of the inquiries from my report and has unlawfully advised me to have the inquiries removed by the companies who submitted them without any justifiable reason or explanation as to why these inquiries are exempt from lawful deletion. 

Transunion removed the majority of the inquiries however there are XXXX that remain from this incident. 

According to 15 U.S. Code 1681c2 : Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

The following inquiries are not from any goods and services that I applied for, nor have I obtained goods, services or money as the result of the blocked transaction or transactions : XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It has been well over 4 business days since the information was disputed with Transunion. Transunion has failed to delete the inquiries and has failed to provide an explanation as to why the inquiries remain on the report. 

Attached is a printout of all inquiries showing on all three credit bureaus. Transunion has inquiries that are not reporting on the other two bureaus as the other two bureaus swiftly removed any and all activity related to unauthorized inquiries or transactions.

My rights have been violated per 15 U.S. Code 1681c. I demand that the inquires be removed from my credit report.

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