Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7002517
Complaint Overview
Complaint ID: 7002517
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Illinois
ZIP Code: 60016
Date Received: 2023-05-19T12:00:00-05:00
Date Sent to Company: 2023-05-19T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I hope this letter finds you in good health. I am writing to bring to your attention a matter of utmost concern regarding my Transunion credit report. I recently discovered multiple hard inquiries on my credit report that I believe to be fraudulent, and I kindly request your assistance in rectifying this matter promptly. First and foremost, I would like to emphasize that I am a victim of identity theft. The fraudulent hard inquiries listed below were conducted without my knowledge or consent, causing significant distress and potential harm to my financial well-being : 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 These unauthorized hard inquiries were made by financial institutions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The frequency and pattern of these inquiries raise significant concerns about the potential misuse of my personal information, as they were conducted on various dates over the course of the past two years. I became aware of these fraudulent hard inquiries only recently due to a series of events that unfolded in my personal life, including a major family medical emergency and subsequent relocation. As a result, I was unable to monitor my credit report regularly, leading to the delayed discovery of these unauthorized activities. I would like to highlight the following provisions of the Fair Credit Reporting Act ( FCRA ) to support my request for the immediate removal of these fraudulent hard inquiries from my Transunion credit report : Section 611 ( a ) ( 1 ) ( B ) : The FCRA grants consumers the right to dispute inaccurate information on their credit reports, which includes unauthorized inquiries resulting from identity theft. Section 605B : Identity theft victims are entitled to place fraud alerts on their credit reports, providing them with added protection and an extended duration of seven years. Given the circumstances described above, I kindly request that the CFPB undertake a thorough investigation into these fraudulent hard inquiries and take appropriate actions to delete them from my Transunion credit report. Additionally, I urge you to take necessary steps to identify the individuals responsible for this identity theft, as their actions have caused significant harm to my financial reputation and overall well-being. I have enclosed copies of supporting documentation, including my identification documents, and any other evidence deemed necessary for your investigation. Please find them attached for your reference. I understand that you receive numerous requests on a daily basis and appreciate your attention to this matter. I kindly request that you keep me informed of the progress made on my case and notify me promptly once the fraudulent hard inquiries have been removed from my credit report. Thank you for your immediate attention to this matter and for your dedication to protecting consumers like myself. I eagerly await a swift resolution and the restoration of my credit report 's accuracy. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above. Yours sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7002517 about?
Complaint #7002517 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-05-19T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.