Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7609912
Complaint Overview
Complaint ID: 7609912
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting 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: South Carolina
ZIP Code: 29550
Date Received: 2023-09-26T12:00:00-05:00
Date Sent to Company: 2023-09-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Re : Unauthorized Hard Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding two unauthorized hard inquiries that have recently appeared on my TransUnion credit report. These inquiries are from entities identified as " XXXX XXXX XXXX XXXX '' and " XXXX. '' I have no knowledge of initiating any business transactions or providing consent for credit inquiries to these entities. These inquiries have a significant impact on my credit score and could potentially harm my financial standing. I would like to bring to your attention that these unauthorized hard inquiries not only appear to be fraudulent but also violate both national and South Carolina state laws governing consumer credit protection. Specifically, I believe the following laws apply to this situation : 1. **The Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, consumers have the right to accurate and fair credit reporting. Unauthorized hard inquiries can damage an individual 's credit, and it is imperative that credit reporting agencies take immediate action to rectify this issue. 2. **South Carolina Consumer Protection Code : ** South Carolina law also provides protections for consumers against unauthorized inquiries on their credit reports. It is evident that these inquiries were made without my consent, and as such, they violate my rights under state law. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) use its authority to enforce these laws and take the necessary steps to have the unauthorized hard inquiries from " XXXX XXXX XXXX XXXX '' and " XXXXXXXX '' removed from my TransUnion credit report immediately. I am prepared to provide any supporting documentation or information you may require to investigate this matter further. In addition, I kindly request that the CFPB assist me in identifying the parties responsible for these fraudulent inquiries so that appropriate legal action can be taken against them. Unauthorized inquiries not only harm individual consumers but also erode trust in the credit reporting system. Please consider this complaint with the utmost urgency, as I am concerned about the potential harm these unauthorized inquiries may have on my financial well-being. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Thank you for your assistance in addressing this matter.
Frequently Asked Questions
What is Complaint #7609912 about?
Complaint #7609912 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-26T12:00:00-05:00.
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 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.