Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Accounts and Violations : 1. US DEPT ED : Account Number : XXXX Violation : Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) 2. XXXX XXXX : Account Number : XXXX Violation : Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) 3. XXXX XXXX XXXX : Account Number : XXXX Violation : Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) 4. XXXX | XX/XX/XXXX : Account Number : N/A Violation : Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) 5. XXXX XXXX XXXX | XX/XX/XXXX : Account Number : N/A Violation : Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) 6. XXXX XXXXXXXX XXXX XX/XX/XXXX : Account Number : N/A Violation : Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) 7. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX : Account Number : N/A Violation : Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) 8. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX : Violation : Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) Dear CFPB, I am writing to lodge a second round dispute and earnestly request the enforcement of my legal rights concerning the aforementioned accounts and potential violations. These inaccuracies and unauthorized inquiries have profoundly affected my life, causing significant emotional distress and hindrances. 

Regarding the violations : 1. Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) : Account : US DEPT ED ( Account Number : XXXX ) Your reporting is completely inaccurate, and it is ruining my credit. I have no recollection of this account ever being late. The reporting has led to unwarranted damage to my creditworthiness, impacting my ability to secure loans and financial stability. 
2. Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) : Account : XXXX XXXX ( Account Number : XXXX ) Your reporting is completely inaccurate, and it is ruining my credit. I have no recollection of this account ever being late. The reporting has led to unwarranted damage to my creditworthiness, impacting my ability to secure loans and financial stability. 
3. Inaccurate Reporting ( Potential FCRA Violation - Section 611 ) : Account : XXXX XXXX XXXXXXXX ( Account Number : XXXX ) I dont remember having a charge-off. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
4. Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) : Account : XXXX | XX/XX/XXXX I never authorized these inquiries. I have no recollection of authorizing this credit pull and I demand this to be removed. 
5. Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) : Account : XXXX XXXX XXXX | XX/XX/XXXX I never authorized these inquiries. I have no recollection of authorizing this credit pull and I demand this to be removed. 
6. Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) : Account : XXXX XXXX | XX/XX/XXXX I never authorized these inquiries. I have no recollection of authorizing this credit pull and I demand this to be removed. 
7. Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) : Account : XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. I have no recollection of authorizing this credit pull and I demand this to be removed. 
8. Unauthorized Inquiry ( Potential FCRA Violation - Section 604 ) : Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. I have no recollection of authorizing this credit pull and I demand this to be removed. 
The emotional toll these inaccuracies and unauthorized inquiries have taken on my life can not be overstated. They have caused severe XXXX, stress, and sleepless nights, impacting my overall health and well-being. My ability to secure affordable loans and housing has been compromised, affecting my family 's quality of life. 

In light of the potential violations, I kindly request that the CFPB take immediate action to enforce my legal rights. Specifically, I implore the CFPB to compel the creditors to remove these unverified accounts from my credit report, rectify the inaccuracies, and cease any unauthorized inquiries. Such actions will provide the relief and justice I so desperately need to regain control over my financial future. 

I sincerely appreciate your attention to this matter and your commitment to upholding consumer rights. Please feel free to reach out to me for any further information or clarification. 

Sincerely, XXXX 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