Consumer complaint received 2024-01-02 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:
XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to dispute unauthorized inquiries. Transunion refused to remove inquiries and stated that I must get a letter from the company in order for them to remove them. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to dispute unauthorized inquiries. Transunion refused to remove inquiries and stated that I had to contact the creditor and get a letter from them in order for the inquiry to be removed. I requested a fraud alert as they said that a fraud alert would help. Couldn't get letter from any creditor and Transunion refused to remove them. Affidavit attached. Additionally, I was denied for credit due to too many inquiries on Transunion, but they refused to help or challenge them. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to explain that there were addresses and more inquiries that appeared on my credit report. Transunion refused to remove inquiries but had no issue removing address. Additionally an extended credit freeze was placed on my report without my knowledge and they blocked my ability to do anything on line. I had to submit everything related to disputes or removal of extended fraud alert through the mail to their XXXX XXXX XXXX in XXXX, XXXX. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and called to report unauthorized inquires. Transunion refused to remove them from the report and said I needed to get a letter from creditor in order to have the unauthorized inquiry removed. Additionally, I sent a letter requesting the extended fraud alert be removed from my report as it was not helping me and also for them to release the block on my online access so I could monitor and control my credit file through the credit freeze option. They refused to grant me access online and said if I wanted the freeze option I would have to do it over the phone with a pin number. Affidavit attached. 

XX/XX/XXXXXXXX  - Contacted Transunion because they added back some accounts to my credit file that were previously removed for identity theft. They did not want to fix the credit file and remove the unauthorized accounts, so I sent an FTC Affidavit  to them again, requesting for them to be removed. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion as there were more unauthorized accounts and disputes on my credit report that Transunion refused to remove. Transunion advised that without a letter from the original creditor, the FTC Affidavit was not enough for them to remove it. Affidavit attached. 

XX/XX/XXXXXXXX  - Submitted FTC Affidavit to Transunion and sent it in regarding unauthorized inquiries that were still showing on my report. As of today, no response from Transunion. Affidavit attached. 

XX/XX/XXXXXXXX  - Creted another FTC Affidavit for Transunion and am sending it in tomorrow XX/XX/XXXXXXXX  since I can not dispute items online or over the phone.

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