Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to lodge a formal dispute regarding multiple instances of inaccurate and unverified information present on my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) will enforce the legal rights outlined in various federal laws to address these violations effectively. 

These errors on my credit report have caused undue hardship and distress, affecting my financial opportunities, personal life, and emotional well-being. I want to share a deeply personal story illustrating the impact these inaccuracies have had on my life, as it exemplifies the urgent need for accurate reporting. 

Several years ago, I embarked on a journey to secure a mortgage for my first home. Excitement filled my heart as I envisioned a place where I could build a future for myself and my family. However, my dreams were abruptly shattered when the lender pulled my credit report, revealing erroneous information that tarnished my otherwise strong credit history. 

The account details reported by [ XXXX XXXX ] contained glaring inaccuracies, including an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, a charge off listed as open, and even a collection account with a limit. This misinformation painted a grossly inaccurate picture of my financial responsibility, and the consequences were devastating. 

Despite my best efforts to explain and rectify these errors, I faced an uphill battle against a system that seemed indifferent to my plight. Mortgage offers that should have been within reach were now out of grasp, and the emotional toll was immeasurable. The stress of the situation strained my relationships, affected my mental health, and left me feeling powerless and betrayed by a system that should protect consumers. 

In light of this deeply personal experience, I implore the CFPB to take action in enforcing the legal rights outlined in relevant federal laws. Specifically, the violations include but are not limited to : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of account information ( Section 611 ) Responsibilities of furnishers of information ( Section 623 ) Violations of the Truth in Lending Act ( TILA ) : Billing error resolution ( Section 1666b ) Unauthorized inquiries under FCRA ( Section 604 ) I kindly request that the CFPB intervenes on my behalf to ensure that [ Creditor Names ] address and rectify these violations promptly. Specifically, I request that the unverified accounts with the account numbers mentioned below be removed from my credit report : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I believe that my case serves as a poignant reminder of the real-world impact of inaccurate credit reporting. By enforcing the legal protections in place, the CFPB can contribute to a fair and just financial system that empowers consumers to pursue their dreams without unwarranted barriers. 

Thank you for your attention to this matter. I eagerly await your response and action to rectify these violations. 

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