Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my financial well-being and credit standing. I am seeking your assistance to enforce my legal rights and rectify the injustices I have endured. 

I recently discovered several unauthorized inquiries on my credit report, all attributed to XXXX. These unauthorized inquiries have been detrimental to my credit score and have cast a shadow over my financial credibility. According to the details of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), any inquiry made without my explicit consent is a clear violation of my privacy rights and the laws established to protect consumers like myself.

The unauthorized inquiries in question occurred on the following dates : Inquiry Date : XX/XX/XXXX Inquiry Date : XX/XX/XXXX The impact of these unauthorized inquiries on my credit report has been profound. They have resulted in unfavorable credit scores and hindered my ability to secure reasonable interest rates for loans and financial opportunities. Furthermore, these actions have led to a sense of vulnerability and insecurity, as my personal financial information has been accessed without my consent or knowledge. 

In addition to the unauthorized inquiries, I have encountered egregious inaccuracies on my credit report that have caused immeasurable distress. Specifically, an account associated with XXXX XXXX, account number XXXX, contains erroneous information that is in direct violation of the Fair Credit Billing Act ( FCBA ) and the Equal Credit Opportunity Act ( ECOA ). This account has always been paid as agreed, on time, without exception. Yet, it has been erroneously reported as an account in violation. 

These inaccuracies have significantly impacted my ability to secure favorable financial opportunities and have caused me undue stress and anxiety. It has created a perception of my financial responsibility that is wholly inaccurate and unjust. 

Let me share a personal story to underscore the real-world implications of these violations. As a diligent and responsible individual, I have worked tirelessly to build a strong credit history. This credit history is not just a numerical representation ; it is a reflection of my dedication, sacrifices, and financial prudence. Having my credit tarnished by unauthorized inquiries and inaccurate reporting feels like a betrayal of my efforts. 

Imagine being denied a mortgage or an auto loan simply because of these violations. Imagine the frustration of not being able to access financial resources that are rightfully yours due to circumstances beyond your control. These violations have left me feeling powerless and disillusioned, and they have affected not only my financial future but my emotional well-being as well.

With this letter, I am formally requesting your intervention and assistance in enforcing my legal rights. I implore you to thoroughly investigate these violations and ensure that the necessary corrective actions are taken. Specifically, I request that the unauthorized inquiries made by XXXX be removed from my credit report immediately. Furthermore, I ask that the inaccuracies associated with the XXXX  XXXX account ( account number XXXX ) be rectified promptly, in accordance with the FCBA and ECOA. 

In conclusion, I urge you to consider the emotional toll that these violations have taken on my life. The pursuit of financial stability and the dream of a secure future hang in the balance. I believe in the power of justice and the importance of holding institutions accountable for their actions. I look to you to be a beacon of hope in this trying situation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and restore the fairness that is essential in our financial system. 

Sincerely, XXXX 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