Consumer complaint received 2024-09-20 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving an issue I have been facing with TransUnion regarding several hard inquiries on my credit report that were not authorized by me. I have been tirelessly going back and forth with TransUnion about this matter, and it has caused me severe stress and XXXX 

I am a documented victim of identity theft, and I have provided TransUnion with an official police report to confirm this. Despite their awareness of my situation and the fact that someone continues to use my personal information to attempt opening fraudulent accounts in my name, TransUnion has failed to take the appropriate actions to protect me. 

Specifically, I have repeatedly requested that TransUnion freeze my credit report, but it remains unfrozen. The only way I have been able to access my TransUnion credit report is through third-party services like XXXX XXXX XXXX This lack of access and protection has left me vulnerable, and I am extremely concerned about the ongoing attempts at fraud under my name. 

The hard inquiries that were not authorized by me are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure the accuracy of the information on my credit report. These inquiries are not mine and were not authorized by me. Therefore, they should be removed from my report immediately. Despite my repeated requests, TransUnion has not provided me with proof that these inquiries were authorized, nor have they taken action to remove them. 

As a result, I am asking for your help in urging TransUnion to fulfill their legal obligations under the FCRA, including investigating these unauthorized inquiries and providing proof of authorization if they believe the inquiries are valid. If they are unable to provide proof, these inquiries should be removed without further delay. 

I appreciate your assistance in helping me preserve my rights under the FCRA and ensuring that my credit report is accurate and protected from further fraudulent activity. 

Thank you for your prompt attention to this matter. 

Sincerely, 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