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 hope this letter finds you well. I am writing to request your intervention in a matter concerning violations of consumer protection laws and the improper reporting of unverified accounts on my credit report. I believe my case exemplifies the urgent need for enforcement of these laws to safeguard consumers like myself. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 611 ( Procedures for Reinvestigation of Disputed Information ) and FCRA Section 623 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) The account name and number associated with the above account have raised concerns about the accuracy of the reporting. Despite my diligent efforts to seek clarification from the creditor, no resolution has been reached. This has resulted in a significant negative impact on my creditworthiness, affecting my ability to secure loans and housing. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 605 ( Requirements relating to information contained in consumer reports ) and FDCPA Section 807 ( False or Misleading Representations ) The account in question, belonging to " XXXX XXXX, '' has proven unrecognizable to me. I have undertaken thorough investigations to determine its legitimacy but to no avail. This lack of verification has cast doubt on the accuracy of my credit report and has hindered my financial prospects. 

These violations not only infringe upon my rights as a consumer but also have tangible repercussions on my life. Allow me to share a deeply personal story that underscores the emotional toll of these inaccuracies : [ Share your personal story here, detailing how the inaccuracies on your credit report have affected your ability to secure housing, obtain loans, or pursue other life goals. Emphasize any emotional stress, frustration, or challenges you've faced. ] In light of the above, I earnestly request your intervention to enforce the legal rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Specifically, I request that you compel the creditors to promptly investigate and rectify these violations by removing the unverified accounts from my credit report. 

I appreciate your attention to this matter and the invaluable role you play in safeguarding consumer rights. I kindly request that you keep me informed of any actions taken to address this situation. Please feel free to reach out to me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 

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 non-monetary relief