Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring a serious matter to your attention regarding inaccurate and unverified accounts on my credit report, which are causing me considerable distress and financial hardship. I believe these accounts are in violation of key provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 611, and 623. 

The accounts in question are as follows : XXXX XXXX : Account Number : XXXX Violations : Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite multiple attempts to clarify the account information with XXXX XXXX, I have not received any satisfactory response or clarification regarding the account 's name and number. This lack of proper verification and transparency on their part violates my rights under the FCRA. 
Violation of Section 623 - Responsibilities of furnishers of information ( 15 U.S.C. 1681s-2 ) : XXXX XXXX has failed to provide accurate and verifiable information to the credit reporting agency, thereby misleading those assessing my creditworthiness. 
XXXX XXXX : Account Number : XXXX Violations : Violation of Section 607 - Compliance procedures ( 15 U.S.C. 1681e ) : The credit reporting agency has failed to establish reasonable procedures to ensure the accuracy of the information they maintain. This lack of oversight has resulted in the inclusion of an unverified account, which I am unable to recognize. 
Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite my efforts, neither XXXX XXXX nor the credit reporting agency have provided sufficient evidence that this account belongs to me. This inability to verify ownership is causing severe distress and anxiety. 
These inaccuracies have significantly impacted my life. As a result of these unverified accounts, I have been denied essential financial opportunities, including securing a mortgage for my family 's home. This emotional turmoil and financial setback have put immense strain on my personal and professional life, affecting my overall well-being. 

I implore you to take immediate action to enforce the relevant legal provisions of the FCRA. I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of these inaccurate and unverified accounts from my credit report. This correction is not only a matter of financial justice but also a vital step toward alleviating the emotional toll these errors have taken on my life. 

Thank you for your attention to this matter. I eagerly await your response and resolution. 

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