Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute and request the Consumer Financial Protection Bureau 's intervention regarding recent unauthorized credit inquiries and violations of consumer protection laws. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking resolution to this matter. 

Here are the corrections and additional details : 1. Incorrect Personal Information : Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. Unauthorized Credit Inquiry by XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Relevant FCRA Section : Section XXXX - Permissible purposes of consumer reports I wish to bring to your attention that my current address is inaccurately listed as " XXXX XXXX XXXX XXXX  CA XXXX. '' The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX. '' It is imperative that my personal information is accurately represented to prevent any further discrepancies. 

Moreover, I have identified an unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. To my utmost surprise, I have no recollection of granting authorization for this credit inquiry. I am certain that I did not provide consent for this inquiry and I demand that it be removed from my credit report immediately. 

The unauthorized credit inquiry by XXXX XXXX XXXX has caused a considerable amount of distress and concern. As someone who takes great care in managing my financial affairs, this violation of my privacy is deeply unsettling. It disrupts the sense of trust I have in the credit reporting system and places my personal financial information at risk. 

To provide a deeper understanding of the significance of accurate credit reporting, I would like to share a personal anecdote. A few years ago, I confronted unforeseen medical expenses that led to a temporary financial setback. In my determination to overcome these challenges, I collaborated with my creditors to establish reasonable payment plans. Despite my dedication to financial recovery, the unauthorized inquiry by XXXX XXXX XXXX now threatens the progress I have made. 

Given the gravity of these violations and their emotional ramifications, I kindly request that the Consumer Financial Protection Bureau exercises its authority to enforce my legal rights under the FCRA. Specifically, I request a thorough investigation into the unauthorized credit inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. Furthermore, I urge the appropriate authorities to take the necessary measures to rectify this situation promptly. 

Additionally, I find myself deeply concerned by the presence of unverified accounts on my credit report. These unverified accounts cast doubt on the accuracy of my financial history. I respectfully request that the relevant creditors undertake the steps needed to remove these unverified accounts, ensuring that my credit report reflects a truthful and fair representation of my financial standing. 

I express my sincere gratitude for your attention to this matter and your commitment to safeguarding consumer rights. I kindly request that you keep me informed about the progress of this dispute and any actions undertaken to bring about a resolution. Please do not hesitate to reach out to me using the contact information provided above. 

Thank you for your time and consideration. 

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 explanation