TransUnion Credit Reporting Complaint

TransUnion Credit reporting department,

Credit reporting company's investigation Inadequate help over the phone Pennsylvania

I was sold a Timeshare in - - NJ at the - - through a company doing business as -. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but


Hard Inquiries '' into my credit, - on - - 2015 and the latest on - - 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact - in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a - point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that - be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.